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Vehicle Finance Calculator

Estimate monthly repayments, total cost of credit, and your full amortisation schedule — based on South African NCA-regulated finance terms.

Prime rate 11.25% Linked rate 13.25% NCA cap 21%
Loan details
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R 50kR 5M
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0%50%
%
7%25%
0% (none)35%
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Browse 81 vehicles on SalesDesk
Estimated monthly repayment
R 0
incl. service fee & VAT
Loan amount
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Total interest
R 0
Total cost of credit
R 0
Balloon at end
R 0
Cost breakdown
Principal —
Interest —
Fees (incl. VAT) —
Amortisation schedule
Month Payment Principal Interest Balance
Your budget
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R
R
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%
Maximum vehicle price
R 0
at R 0 /month
NCA 30% rule budget
R 0
Recommended budget
R 0
Debt-to-income ratio
0%
Suggested car budget
R 0
Affordability health
0% DTI ratio
<25% Healthy 25–35% Caution >35% High risk
Rate sensitivity — how the rate affects your payment

Edit the loan amount and term below, then see how your monthly repayment changes across a range of interest rates.

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Rate (p.a.) Monthly Total interest Total repaid vs. prime + 2%

Comparison excludes initiation fee & monthly service fee for clarity. Prime rate assumed at 11.25% p.a.

Vehicle & usage details
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500 km5 000 km
3 L/100km20 L/100km
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Estimated total monthly cost of ownership
R 0
finance + fuel + insurance + maintenance
Finance repayment
R 0
Fuel cost
R 0
Insurance
R 0
Service & maintenance
R 0
Tyres (amortised)
R 0
Annual totals
Total annual cost
R 0
Annual fuel spend
R 0
Cost per km driven
R 0.00
Annual km
0 km
Fuel price reference edit to match current pump prices
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All calculations are estimates only and do not constitute a formal finance offer or advice. Actual repayments depend on your credit profile, lender terms, and NCA regulations. Interest rates shown are indicative; prime rate assumed at 11.25% p.a. Consult your bank or a registered credit provider for a personalised quote.