Car Finance Calculator – South Africa

Use our car finance calculator to estimate your monthly repayments before you apply for vehicle finance in South Africa. Start by selecting a vehicle from the VehicleSA database (recommended) or entering a price manually. Then adjust the key variables that affect your instalment: • Deposit: a larger deposit reduces the amount you finance and usually lowers your monthly repayment. • Interest rate (APR): your actual rate depends on your credit profile and the lender. • Term: longer terms reduce the monthly repayment but increase total interest paid. • Balloon/residual: a balloon lowers the monthly repayment, but you’ll owe a larger final payment at the end. These results are estimates for planning purposes and may exclude fees and insurance. If you’re happy with the numbers, you can get pre-approved for finance to confirm a real offer based on your details.