Finance Calculator
Adjust deposit, term, and balloon to see live repayment estimates. Rates update automatically for EVs and PHEVs.
Finance Calculator
Estimated monthly repayment
per month over 5 years
Loan Summary
New car rate — 5.66% p.a.
Comparison rate. Actual rate depends on lender and personal circumstances.
Indicative estimate only. This calculator does not constitute a credit quote or credit assistance under the National Consumer Credit Protection Act 2009. Rates shown are market averages (May 2026). Your actual rate and repayments will depend on your lender, credit assessment, and individual circumstances. Always obtain independent financial advice before entering any credit contract.
Which finance type suits you?
The right finance structure can save you thousands. Here is the plain-English guide to WA's three main car finance options.
Consumer Loan
A standard secured car loan in your personal name. You own the vehicle outright. Repayments come from your after-tax income. Most common option for individuals.
Best for
Most WA car buyers, first cars, family vehicles
Chattel Mortgage
A business car loan where you own the vehicle from day one and the lender takes a 'mortgage' over it as security. You claim the full GST upfront and may depreciate the vehicle.
Best for
Sole traders, businesses, ABN holders with commercial use
Novated Lease
A three-way lease between you, your employer, and a finance company. Repayments come from your pre-tax salary, reducing your taxable income. Your employer handles payments.
Best for
Employees whose employer offers salary packaging — especially for EVs
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