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See Your Car Repayments Before You Start Shopping

Thinking about upgrading your car but not sure what the repayments might look like yet? A clear estimate can make it easier to choose a budget before you start visiting dealerships or browsing online listings. Our car loan calculator helps you see rough repayment amounts in a few clicks so you can narrow down your price range and feel more prepared.

Whether you are looking at a small runabout, an SUV or a light commercial vehicle, the car finance calculator on this page gives you a simple way to test different loan amounts, terms and repayment frequencies before you apply.

Not sure how much you can borrow?

Get your quote now. It's fast, easy, and will not impact on your credit score!

What are my repayments?

How much can I borrow?

At today's lowest finance rate of 6.24%, you'll pay approximately...

per week

At today's lowest finance rate of 6.24%, you could borrow up to...

Calculator

How the Calculator Helps You Plan

The car loan repayment calculator lets you enter:

  • Your preferred loan amount
  • A loan term from one to seven years
  • Weekly, fortnightly or monthly repayments

You can adjust these settings at any time. As you change the loan amount or term, the estimate updates so you can see how repayments may shift. Some people start from the car price they have in mind, others begin from what they can comfortably afford each week or month. The tool supports both approaches.

You can also use it as a car repayment calculator if you have a weekly or monthly budget in mind. Enter the repayment amount you would like to stay close to, then adjust the loan amount and term until the estimate sits inside that range.

The calculator uses today’s lowest car finance rate as a guide, similar to a simple car loan interest calculator. This helps you understand how the interest portion might affect your repayments over the life of the loan.

Understanding Your Estimate

Because each customer is different, the rate you are offered may not match the example shown in the calculator. Any car loans calculator should be treated as a guide only. It does not include every fee or charge and it does not take your full profile into account.

Once you have a rough idea of your preferred repayment range, a 360 Finance specialist can review your details, compare options from more than sixty lenders and explain what you may be eligible for.

All asset finance, including loans for cars, SUVs and light commercial vehicles, is assessed on risk. Lenders look at:

  • Check iconYour lending profile and credit score
  • Check iconYour income, expenses and overall financial position
  • Check iconThe age, type and value of the car
  • Check iconLoan amount and loan term

Why Use 360 Finance

When you use the car finance calculator on this page, you can go into your next steps more prepared. From there, our team can:

  • Compare car loan options from over sixty Australian bank and non bank lenders
  • Help you line up a structure that matches your budget and timing
  • Arrange finance for new or used cars, SUVs, 4x4s and light commercial vehicles
  • Support same day approvals in many cases once your information is ready

If you are not sure how much you can borrow, you can request a quick quote online. It is fast, simple and will not affect your credit score.

Car Loan Frequently Asked Questions

What is a car loan calculator?

A car loan calculator is an online tool that gives you an estimate of your weekly, fortnightly or monthly repayments based on the loan amount, term and repayment frequency you choose. Our calculator is built to reflect our lowest current car finance rate, so you can see how repayments may look before you apply. It also works as a car finance calculator if you want to test different budgets and terms.

click to see answer

How much can I borrow using the calculator?

The calculator can give you a rough guide to how much you may be able to borrow based on what you feel comfortable repaying each week, fortnight or month and over what loan term. It does not set a final limit, but it helps you see how changes in term or amount affect repayments. Final borrowing capacity will depend on your income, expenses, credit profile and the car you choose.

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What will my car loan repayments be?

You can use the car loan repayment calculator to see how your repayments might change when you adjust the loan amount or term. If you want to focus on your budget first, the tool also acts as a car repayment calculator, letting you work backwards from a weekly or monthly figure you want to stay close to.

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What will my car loan interest rate be?

The calculator uses an example rate as a starting point, similar to a simple car loan interest calculator. Your actual rate will be set by the lender based on your lending profile, financial situation and the age and type of vehicle you are buying. Asset finance is risk based, so two people borrowing the same amount may not receive the same rate.

click to see answer

Are the repayment figures exact and do they include all fees?

No. All results are estimates only. The calculator does not include every lender fee or charge and it does not consider your full financial profile. It is best used as a guide to compare different scenarios. A finance specialist can give you a clearer picture once they review your details and match you to specific lenders.
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Can I use the calculator for new and used cars?

Yes. You can use the car loan calculator to estimate repayments for new and used cars, SUVs and light commercial vehicles. Some lenders may have different criteria for used vehicles, but the calculator still gives a helpful starting point.
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What should I do after using the calculator?

Once you find a repayment range that suits your budget, you can request a quick quote online or call the team. A specialist will look at your situation in more detail, compare lenders on your behalf and explain your next steps so you can move toward the right car finance option for you.
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Arrange Your Car Finance Estimate Today

If you want a clearer idea of what your repayments might look like before you apply, our car loan calculator, car finance calculator and car repayment calculator give you a simple place to start. When you are ready for accurate figures based on your full profile, our specialists can compare options across more than sixty lenders and help you choose a structure that suits your plans.

You can request a free quote online and speak with a Finance Specialist who will walk you through everything step by step, so you can move forward with clarity and confidence.

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