Car Loan Calculators
Car Loan Calculators
Free car loan calculators: monthly repayments, borrowing power, extra payments, balloon comparison, and new vs used cost analysis.
Market Rate Explorer
Filter public CDR car-loan rates
Open calculatorRepayment Calculator
Car loan repayments by frequency
Open calculatorBalloon Payment
Balloon vs standard comparison
Open calculatorNew vs Used
Total cost comparison
Open calculatorExtra Repayments
Pay off car loan faster
Open calculatorBorrowing Power
How much car can you afford
Open calculatorCompare Loan Offers
Repayments, fees, balloon and total cost
Open calculatorCommon questions
What is a balloon payment?
A balloon is a lump sum residual due at the end of the loan term. It lowers your monthly repayments but increases total interest. The final payment can be refinanced or paid from the car's trade-in value.
What is a typical car loan rate in Australia?
New car secured loans currently range from 5.5% to 9.5% depending on lender, credit score, and whether the car is used as security. Used cars typically attract slightly higher rates (8%–12%).
Are these tools free?
Yes, all calculators are 100% free with no signup required.
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Car Loan Rate Explorer Filter public CDR car-loan rates by amount, term and rate type Car Loan Repayment Calculator Monthly car loan repayments for new and used vehicles with optional balloon Car Loan Borrowing Power Calculator Max car you can afford from your monthly budget and deposit Car Loan Extra Repayment Calculator Interest saved by making extra car loan repayments Car Loan Balloon Payment Calculator Compare car loan repayments with and without a balloon residual New vs Used Car Loan Calculator Side-by-side cost comparison of new vs used car finance