Australian Car Finance :: Calculators

Australian Car Finance Financial Calculators

Australian Car Finance is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Car Loan Repayment Calculator
Calculate car loan repayments with our Car Loan Repayment Calculator. View detailed amortization charts to compare terms, track interest, and plan your budget with confidence.
Vehicle Lease Repayment Calculator
Use this calculator to calculate the monthly lease payments for a motor vehicle. Compare various car leasing interest rates, loan terms and residual/balloon payments.
Personal Loan Repayment Calculator
Calculate repayments with our Personal Loan Calculator. Compare loan terms, view repayment schedules, and plan your personal finance with confidence.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'


Finance News

Competitive July Car Finance Rates Come With Fine Print
Competitive July Car Finance Rates Come With Fine Print
23 Jul 2026: Paige Estritori
Australia’s car finance market is still offering sharp advertised rates in July 2026, but the latest comparison tables show why borrowers need to read beyond the headline percentage. Current secured car loan data places several leading offers in the high-five per cent range for eligible borrowers, with some new-car products advertised from about 5.67% p.a. However, comparison rates vary, and that difference can reveal the effect of fees, loan structure and eligibility conditions. - read more
Electrified Vehicles Are Changing the Way Australians Finance Cars
Electrified Vehicles Are Changing the Way Australians Finance Cars
02 Jul 2026: Paige Estritori
Australia’s new-car market has reached another turning point, with the latest May sales data showing electrified vehicles moving from a specialist category into the mainstream. Battery electric vehicles, plug-in hybrids and conventional hybrids together represented about 46% of new vehicle sales during the month, while battery electric models alone reached around one in five sales. For car buyers, this is no longer just an environmental story. It is becoming a finance story. - read more
Why the Lowest Car Loan Rate May Not Be the Best Deal
Why the Lowest Car Loan Rate May Not Be the Best Deal
25 Jun 2026: Paige Estritori
Australian car buyers heading into the final week of June are seeing a competitive loan market, but the latest rate tables also show why the cheapest headline offer is not always the best finance choice. Current comparison data places some car loan comparison rates from around 5.66% p.a. for eligible borrowers, while green and electric vehicle finance remains close behind, with selected offers beginning around 5.69% p.a. - read more
ASIC Calls for Improved Consumer Safeguards in Car Finance Sector
ASIC Calls for Improved Consumer Safeguards in Car Finance Sector
11 Jun 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the motor vehicle finance sector, uncovering significant deficiencies in lenders' oversight of car finance distributors. This examination has revealed problematic sales tactics and a lack of regular audits and checks by lenders, raising concerns about consumer protection within the industry. - read more
Car Loan Articles

New vs Used Car Finance: What You Need to Know
New vs Used Car Finance: What You Need to Know
When you're in the market for a new or used car, understanding car financing options is crucial. In Australia, there are several ways to finance your vehicle, each with its own advantages and considerations. Whether you're considering dealership financing, a car loan from a financial institution, or even leasing, knowing your options can save you in the long run. - read more
Understanding the Current Fuel Situation in Australia: What It Means for Your Driving Choices
Understanding the Current Fuel Situation in Australia: What It Means for Your Driving Choices
The fuel situation in Australia has been a hot topic recently, with fluctuating prices and increasing environmental concerns capturing the attention of many. The country's reliance on both domestic and imported fuels, alongside global market influences, plays a significant role in the availability and cost of fuel. As Australians navigate through these changes, understanding the current scenario becomes ever more crucial. - read more
Electric Vehicles vs. Petrol: Which Is Truly More Sustainable?
Electric Vehicles vs. Petrol: Which Is Truly More Sustainable?
Sustainability is an increasingly important factor in the automotive industry, as environmental awareness grows among consumers and manufacturers alike. Choosing a vehicle isn’t just about speed or comfort anymore; it's also about how your choice impacts the planet. With the rise of climate change concerns, more people are looking at sustainable options when purchasing their next car. - read more
Decoding Car Finance: Which Loan Type Is Right for You?
Decoding Car Finance: Which Loan Type Is Right for You?
When it comes to buying a car, understanding your financing options is crucial. In Australia, car financing can be complex, but it generally falls into a few categories. These include dealer finance, leasing, personal loans, and novated leases. Each option has its benefits and potential pitfalls, so it's essential to understand what's available and how each might suit your particular needs. - read more

Knowledgebase
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A credit report check by a lender or other entity as part of the credit approval process, which can lower your credit score.