Vehicle Finance

Car Finance Calculator

Estimate your monthly car repayment based on SA vehicle finance norms. Adjust the deposit, term, balloon, and rate to see the real cost.

Loan details

Vehicle purchase price

Deposit

Loan amount: R 315 000

Interest rate (annual)

Current SA prime rate is ~11.75%. Your rate may differ.

Loan term

Balloon / residual payment

A balloon payment reduces monthly instalments but leaves a lump sum due at term end.

NCA fees

Include initiation fee (R 1 207.50 - NCA cap, added to loan)

Monthly service fee of R 69 (NCA cap) is always included.

Your estimate

Monthly instalment

R 7 063

incl. R 69/mo service fee

Total amount repaid

R 423 779

Total interest paid

R 107 571

Cost breakdown

Principal 73.6%Interest 25.1%Fees 1.2%

Know the full cost of ownership

Beyond the repayment - add fuel, insurance, maintenance, and depreciation.

Car TCO Calculator →

This calculator provides estimates only. Actual finance terms depend on your credit profile and the finance provider. Insure110 does not provide financial advice.