Finance Tool
Car Loan Calculator
Pressure-test the repayment before you apply. This free Australian car loan calculator is the fastest way to get realistic about budget, term, and total interest.
Use a car loan calculator before you shop so you can separate a realistic loan from a dealer-focused monthly pitch. The number that matters is not just the repayment. It is the mix of term length, total interest, and how comfortably the loan fits your real budget. Then add stamp duty and on-road costs, which the loan figure does not include.
- Monthly, weekly, and fortnightly views matter
- Longer terms can hide a larger total repayment
- Stamp duty and rego are on top of the loan, and vary by state
Need help now?
Start with a quick brief. We'll come back with the next best step for your situation.
Check my real optionsModel Your Repayments
Adjust the amount, rate, and term, then use the result as a starting point for a real lender comparison.
Adjust Your Loan
Optional lump sum left to pay at the end of the term, which lowers each repayment.
Your Estimated Repayments
This calculator provides estimates only. Actual rates and repayments may vary based on your credit assessment and lender terms.
On-Road Costs
Stamp Duty & On-Road Costs by State
The loan calculator covers your repayment. It does not include the costs you pay to put the car on the road. The big one is stamp duty (also called vehicle or registration duty), which is charged on the dutiable value of the car, usually the higher of the price you paid or the market value.
Rates, value brackets, and electric-vehicle concessions are set by each state and territory and change from time to time, so we do not quote a number here. Instead, use your state's official calculator below for the current figure, then add it to the amount you plan to finance.
Duty is charged on the higher of the price paid or market value, with a higher rate band on dearer passenger vehicles. Eligible EVs can be exempt.
Source: Service NSW / Revenue NSWDuty is based on dutiable value and the number of cylinders or whether the vehicle is a hybrid or electric, so the engine type changes the cost.
Source: Queensland Government TransportMotor vehicle duty is tiered by dutiable value, with separate rates for new, used, luxury and green (low-emission) vehicles.
Source: State Revenue Office VictoriaStamp duty is calculated on the value of the vehicle in set value brackets, applied when you register or transfer the vehicle.
Source: SA.GOV.AUVehicle licence duty is a percentage of dutiable value that steps up for higher-value vehicles, with concessions for some categories.
Source: Department of Transport WADuty is charged per value bracket of the vehicle's market value or purchase price, whichever is higher.
Source: Transport TasmaniaDuty is based on the vehicle's value and its environmental performance rating, so cleaner vehicles can pay less.
Source: Access CanberraStamp duty is a percentage of the dutiable value, paid when you register or transfer the vehicle.
Source: Northern Territory GovernmentOther costs to budget on top of the loan
- Registration and transfer fees when the car changes hands
- Compulsory Third Party (CTP) insurance, plus comprehensive insurance
- A roadworthy or safety certificate where your state requires one
- Dealer delivery or establishment fees if you are buying through a dealership
These figures come from each state's transport or revenue office, not from us. We link to the official sources so the numbers you rely on are always current. If you want help comparing the all-in cost across vehicles, that is part of what a broker does.
Car Loan Calculator FAQs
Repayments, Rates & On-Road Costs
Enter the amount you want to borrow, an interest rate, and the loan term. The calculator estimates your weekly, fortnightly and monthly repayments and the total interest over the life of the loan. It is an estimate to help you budget. Your actual repayments depend on the lender, your credit profile, fees, and the final rate you are offered.
The repayment maths is standard, so the figures are a realistic guide for Australian car loans. The number it cannot know is your exact interest rate, because that is set by the lender based on your situation, the vehicle, and the loan type. Use the estimate to set a budget, then compare real lender quotes before you commit.
No. The calculator covers the loan repayment only. Stamp duty, registration, CTP insurance and transfer fees are separate and vary by state. Use the on-road costs section above to find your state's official duty calculator, then add those costs to the price you finance.
In every state and territory, vehicle stamp duty (also called registration or vehicle duty) is based on the dutiable value of the car, which is usually the higher of the price you paid or the market value. The exact rate, value brackets, and any EV or low-emission concessions differ by state, so always check your state's official government calculator for the current figure.
You can, but it increases the amount you borrow and the total interest you pay. Some buyers pay on-road costs upfront and finance only the vehicle. Run both scenarios in the calculator so you can see the repayment difference before you decide.
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Want to compare funding paths first? See car finance options or car loan vs novated lease.