Finance Calculator

We use a conservative estimate of 25% of your gross monthly income as the maximum affordable monthly payment. In advanced mode, we use 50% of your disposable income after expenses. These are common affordability guidelines and are only intended as planning estimates.

We use an estimated interest rate of 11.5% per annum, which is close to typical South African lending rates. Your actual interest rate may vary depending on your credit profile, the vehicle, and the finance provider.

Yes. A larger deposit or trade-in lowers the amount you need to finance, which can increase the vehicle price you can comfortably afford or reduce your estimated monthly repayment.

Shorter loan terms usually mean higher monthly payments but less interest paid overall. Longer terms reduce the monthly amount but increase the total interest paid over the life of the agreement.

No. This calculator gives an estimate only. Final approval depends on lender criteria, your credit profile, employment history, existing obligations, fees, and the specific vehicle selected.