Car Loans Australia
Information on Private & Commercial Car Loans for New & Used Vehicles
Car Loans Australia :: Calculators

Car Loans Australia Financial Calculators

Car Loans Australia 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 based on the inputs and assumptions used and are for general information only. They are not quotes, offers, loan approvals, eligibility assessments or personalised recommendations. Actual repayments and costs may differ.


Car Loans Articles

5 Strategies for Balancing Your Budget with a New Car Loan
5 Strategies for Balancing Your Budget with a New Car Loan
With the excitement of purchasing a new vehicle, the financial responsibilities that come with a new car loan can often be overlooked. Balancing your budget when you have taken on a new car loan is crucial to financial well-being and long-term happiness with your purchase. In this article, we will explore five practical strategies that can help you navigate the common financial challenges that accompany car loans. - read more
Car Loan Refinancing in Australia: When It May Be Worth Considering
Car Loan Refinancing in Australia: When It May Be Worth Considering
Car loan refinancing means replacing your existing car loan with a new loan, usually to change the interest rate, repayment amount, lender or loan term. For Australian borrowers, it can be useful when market rates, credit history, income, expenses or loan needs have changed, but the potential benefits should always be weighed against fees, break costs and the total cost over the life of the loan. - read more
How to Compare Car Loans: A Step-by-Step Guide for Australian Buyers
How to Compare Car Loans: A Step-by-Step Guide for Australian Buyers
When planning to take out a car loan, it is crucial to start by understanding your budget. Consider how much you can realistically afford to borrow without straining your finances. Assessing your monthly income and expenses will help you arrive at a sensible figure, ensuring you don't overcommit. - read more
Car Loans for Self-Employed Borrowers in Australia
Car Loans for Self-Employed Borrowers in Australia
Self-employed borrowers can apply for car finance in Australia, but lenders may assess income differently from PAYG employees. This guide explains common document requirements, low doc options, ABN car finance considerations and practical preparation steps. - read more
How Credit History Affects Car Loan Approval in Australia
How Credit History Affects Car Loan Approval in Australia
Your credit history can influence whether a lender considers your car loan application, the rate you are offered and the conditions attached to the loan. This guide explains what Australian lenders may look for, how impaired or limited credit history can affect an application, and how to prepare before applying. - read more

Finance News

Green Car Loan Deals Are Growing, But the Fine Print Still Matters
Green Car Loan Deals Are Growing, But the Fine Print Still Matters
17 Sep 2026: Paige Estritori
Green car finance is becoming a more visible part of Australia’s car loan market, with lenders continuing to promote discounted rates for eligible electric, hybrid and other lower-emission vehicles. For buyers weighing up a new EV, plug-in hybrid or fuel-efficient model, the headline appeal is obvious: a lower rate can reduce the cost of borrowing and may make a higher purchase price feel more manageable. - read more
Why Sharper New-Car Offers Still Need a Loan Check
Why Sharper New-Car Offers Still Need a Loan Check
03 Sep 2026: Paige Estritori
Australia’s new-car market is showing more signs of competition, with recent industry updates pointing to sharper drive-away offers, run-out campaigns and finance-led promotions across selected brands. For buyers, that can make the showroom feel more attractive than it did during the tight-supply years, when wait times and limited stock gave sellers more pricing power. - read more
Softer Used-Car Prices Could Shift Finance Decisions
Softer Used-Car Prices Could Shift Finance Decisions
27 Aug 2026: Paige Estritori
Australia's used-car market appears to be moving into a more balanced phase, with recent industry updates pointing to improved vehicle availability and less pressure on prices across some mainstream segments. That is welcome news for buyers who spent the past few years dealing with limited stock, long new-car wait times and unusually firm second-hand values. - read more
What the Latest RBA Rate Hold Means for Car Buyers
What the Latest RBA Rate Hold Means for Car Buyers
13 Aug 2026: Paige Estritori
The Reserve Bank of Australia's latest decision to leave the cash rate unchanged keeps car buyers in a familiar holding pattern: borrowing costs are not rising sharply, but they are not easing quickly either. For households planning a new or used vehicle purchase, that means the focus should remain on preparation, comparison and affordability rather than waiting for a dramatic rate shift. - read more
What ASIC’s Car Loan Review Means for Australian Buyers
What ASIC’s Car Loan Review Means for Australian Buyers
23 Jul 2026: Paige Estritori
Australia’s car finance market is sending buyers two important messages at once. Recent July rate snapshots show some secured car loans advertised from around the mid-five per cent range for strong-credit borrowers, suggesting competition is still alive for well-prepared applicants. At the same time, ASIC’s 24 June 2026 review of motor vehicle finance has put the spotlight on fees, third-party sales channels and borrower outcomes. - read more
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Knowledgebase
Mortgagor:
A person who offers to assign an asset as security (e.g. real estate) under a mortgage loan contract. The lender (mortgagee) holds the legal ownership of the security until the loan is repaid and the mortgage is discharged.


This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Car Loans Australia publishes general car finance information, tools and resources and may display third-party advertising.
IMPORTANT: This website provides general information, tools and resources and does not take into account your objectives, financial situation or needs. We do not provide personalised financial advice or credit assistance, accept loan applications or quote requests, or match or refer visitors to brokers or lenders. References to products or providers are not personal recommendations. Consider seeking advice from an appropriately licensed professional before making financial decisions. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.