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Car loan calculator - calculate your finance repayments

Use our car loan calculator to estimate what your monthly repayments could be.

Your loan details

Reason for loan
Rate type
Repayment frequency
Loan term

(Comparison rate: 7.22% p.a.)

or input interest rate

%

Your results

Estimated repayments#
$665.83 per month
Interest Rate
6.09% p.a.
Comparison Rate
7.22% p.a.
Loan amount
$45,000
Interest charged
$10,930
Email Me These Results
Most Popular

Fixed Car Loan - Green/Electric
Discounted rate on qualifying electric cars • Balloons available for < 5 yr term
Save the planet. Get discounted rates on qualifying green or electric cars.
Interest rate
6.09% p.a.
7.22% p.a.
Estimated repayments#
$665.83 per month
Loan amount
$45,000
Interest charged
$10,930
Apply Now
See loan details
Calculator assumptions

Things you should know

  • This car loan calculator is intended as a generic tool to calculate repayments, and does not take your objectives and financial situation into account.
  • Calculations made are intended as a guide only, and accuracy of results is determined by the details you enter.
  • The calculator does not take any fees into account, and it’s important to note that different lenders may apply different fees and additional costs to their car car loans. The only additional cost associated with a car loan is an establishment fee at the time of settlement and a monthly fee of $8.
  • Your results are not an offer of lending. The amount you can borrow may vary from your calculator results once you complete your online loan application and our team have assessed against our lending criteria.

Our car loans

View all car loans
Loan reasons
Rate type
Car Loan Interest Rate Comparison Rate Weekly Repayment Product Features Details

Variable Car Loan - New/Demo

Demo vehicles acceptable up to 7500 kms^ • Redraw up to $5k/day
Most Popular
 		5.99% p.a. 7.12% p.a.  $164
  • Discounted rates for Home Owners
  • Up to 7 year loan term
  • Variable rate adjusts with interest rate changes
  • Fast approval times
  • Get Preapproved to confidently secure your car financing
  • Access your account via Smart Money app
Brochure
Get started

Variable Car Loan - Green/Electric

Discounted rate on qualifying electric cars • Redraw up to $5k/day 		5.84% p.a. 6.97% p.a.  $163
  • Discounted rates for Home Owners
  • Up to 7 year loan term
  • Variable rate adjusts with interest rate changes
  • Fast approval times
  • Get Preapproved to confidently secure your car financing
  • Access your account via Smart Money app
Brochure
Get started
View all car loans

Benefits of our car loans

Pre-approval Confidence

Shop with certainty for your car knowing exactly how much you can borrow.

Greater flexibility

Choose a loan term from 3 to 7 years, with weekly, fortnightly, or monthly repayments.

Borrow up to $150,000

Borrow a specific amount from as little as $5,000 to $150,000 (subject to approval).

Sustainable loan options

Financing for electric and hybrid cars, helping you drive into a greener future.

Frequently asked questions

If added to your loans.com.au car loan, a balloon payment is a one-off lump sum that you have agreed to pay us, at the end of your car loan term.

This one-off final payment will account for a large proportion of your car loan so that your regular car loan repayments can be reduced each month, as a result.

It’s important to note - the balloon repayment option is only available if you get a fixed rate car loan , and will not be available for the variable car loan.

You could get pre-approval on your car loan in around 30 minutes, and we can have the loan settled in 2-4 business days, pending all the lending criteria is met.

A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.

In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. loans.com.au may then approve your loans, issue the documents and you settle, and we then pay the funds so you can collect your car.

You can save yourself a lot of time and heartache if you get pre-approval for a loan before negotiating for a car. Also known as preliminary approval, pre-approval is an offer from us to lend you an agreed amount, subject to full approval. Pre-approval remains valid for 60 days. To gain full approval, you'll need to supply more supporting documents and updated information.

Who is loans.com.au?

loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.

Learn more about us

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

4

Signing Document

Check onTrack to receive your final approval, mortgage documents and loan agreement. You must sign these and return to them in to onTrack.!

5

Settle

Your loan will settle and you'll start enjoying the benefits of your low-rate loan!

Apply Online
How it works
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Konnie

Lending Specialist

Ready to talk with a real person about our low-rate car loan?

Get help from a friendly member of our Australian-based car lending team.

Let's talk

Ready to get the keys to your new car?

Complete our quick application form to find out if you qualify.

Apply now
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Disclaimers & legal

**Rates as at 9 April 2025 for home owners. The interest rate is determined with reference to the age of the vehicle, eligibility criteria and the credit assessment, including home ownership. Interest rate loading may be applied. New vehicles only. Balloon option available for fixed rate loan terms <5 years for vehicle age 4 years or less upon commencement of loan term.

*The comparison rate is based on a $30,000 loan over 5 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

^For purchase of New / Demo vehicles defined as up to 18 months old with under 7500kms.

~Subject to provision of all required information and supporting documents on application.

#Based on the dollar value in the search field with P&I repayments based on a 7-year loan term, not including monthly fee and balloon payment.

Target Market Determinations for our products available here. © 2025 copyright of loans.com.au Pty Ltd ACN 082 587 095 Australian Credit Licence 395219
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