Finance Calculator
Adjust the estimate to suit your plans. Your final rate, repayment and approval depend on the lender’s assessment.
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How This Estimate Works
When an offer is selected or reset, we show its advertised starting instalment. Changing any calculator setting switches to a mathematical estimate before finance fees; reset to return to the advertised offer. We calculate monthly repayments on the price less your deposit, with the balloon payable at the end of the term. Interest is calculated monthly at the annual rate shown and assumed unchanged for the full term.
A larger balloon reduces monthly repayments but leaves a larger amount due at the end. Initiation and monthly service fees, delivery charges, insurance and optional extras are excluded. Actual quotations and advertised offers may differ.
Where an offer is available, its deposit, term and balloon are loaded. Its advertised prime adjustment is applied to a prime reference of 10.75% p.a., effective 25 September 2026 and checked 16 October 2026. For vehicles without an offer, the calculator uses illustrative defaults: 10% deposit, 72 months, no balloon and the prime reference rate.
Prime Rate Source ↗*Finance is subject to credit and affordability assessment and the lender’s terms. No approval or eligibility decision is made by this calculator. Please confirm current pricing, offer availability and all charges with our team.