Free calculator

Car loan repayments, with or without a balloon.

See how deposit, term and a balloon payment change your monthly number — before you walk into the dealership.

Vehicle & loan

Vehicle price$45,000

Deposit / trade-in$5,000

Interest rate7.49% p.a.

Loan term5 years

Balloon payment0%

A lump sum deferred to the end of the loan — lowers monthly repayments, but it's still owed.

Estimated monthly repayment

$801

Financing $40,000 at 7.49% p.a. over 5 years.

Balloon due at end

Total interest (approx.)

$8,060

$185/week equivalentFully paid off at end of term

⚠️Indicative only — dealer rates, establishment fees and your credit profile change the real repayment. A licensed broker must review the numbers, and can often beat dealership finance.