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Car Loan Calculator

Work out a car repayment with a deposit or trade-in, realistic fees and an optional balloon capped at 35%.

  • Free to use with no signup
  • No impact on your credit score
  • Clear estimates you can adjust
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Black Mercedes-AMG GLC Coupe
Corey Marino

Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker

Last reviewed 24 August 2026 · About Corey

$

Range $5,000 – $250,000

$
% p.a.
months

Percentage of the amount financed due at the end.

%
$
$

Monthly repayment

$0

Amount financed
$0
Final balloon
$0
Estimated interest
$0
Estimated fees
$0
Total repayments
$0

Balloon is capped at 35% and remains payable at the end. Tax treatment and eligibility are not included.

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Important information

General estimate only, not a quote, approval or financial advice. The result uses the inputs you provide and does not include every lender fee or payout cost.

Detailed assumptions and limitations
  • The balloon starts at 0% and cannot exceed 35% of the net vehicle amount financed before fees.
  • The establishment fee is treated as financed and the monthly fee is added to each repayment.
  • Weekly and fortnightly figures are monthly equivalents; an actual lender schedule may round or accrue interest differently.
  • Insurance, registration, running costs, taxes and any existing finance payout are excluded.

What will the car cost each month?

Start with no balloon, then compare structures without losing sight of the final payment and total cost.

It starts at 0%, so the first result assumes the loan is fully repaid through scheduled repayments. You can then compare a balloon up to 35%.

No. It usually lowers regular repayments but leaves a final amount owing and normally increases total interest.

Yes. Enter the net trade-in equity after any payout as your deposit or trade-in contribution.

No. The result is an estimate based only on your inputs. Rates, fees, terms and balloon limits depend on the lender, vehicle and applicant.

Explore car loans, new-car finance and our balloon payment guide.

Genuine settled outcomes

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