Car Loan Calculator
Ready to buy your next car? Use our calculator to check what your loan repayments could be and what works for your budget.
How it works
The Westpac Car Loan calculator lets you estimate repayments on a secured loan for a car. It calculates based on the interest rate, term of the loan, engine type and amount you’d like to borrow. It can help you plan your purchase with more confidence.
Car Loan Repayment calculator
This calculator helps you estimate how much your car loan repayments could be.
Repayment calculator: Any calculations made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. The calculation is not an offer of credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The calculations should not be relied on for the purpose of making a decision whether to apply for a personal loan. Weekly and fortnightly repayment calculations - if your monthly repayments are $1000, fortnightly repayments are calculated by dividing $1000 by 2 and rounding up if required ($1000/2 = $500). Weekly repayments are calculated by dividing $1000 by 4 and rounding up if required ($1000/4 = $250).
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
- Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 6.49% p.a. (comparison rate 7.90% p.a.), the estimated total amount payable including fees is $36,404. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 6.49% p.a. to 12.99% p.a. (comparison rate from 7.90% p.a. to 14.34% p.a.)
- Electric Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above.
- Hybrid Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 5.99% p.a. to 10.29% p.a. (comparison rate from 7.41% p.a. to 11.66% p.a.)
What should I keep in mind when using this calculator?
Car as security
Comparison rates
Lending Establishment Fee
Check our 'Things you should know' section for more details.
Please review the Terms and Conditions before making a decision to apply for a Westpac Personal Loan.
Knowing your repayments puts you in the driver’s seat
No guesswork, no wondering what your car loan repayments might look like. Get the estimated numbers to help you plan your purchase and buy with confidence.
Steps to get your Personal Loan
1. Estimate your repayments
Use the car loan calculator on this page to check what your repayments could be based on how much you borrow.
2. Get your personalised quote
Choose to get your no-obligation, more personalised interest rate estimate. It won’t affect your credit score.
3. Save time - apply online
Once approved, funds are sent fast—on the same day you accept your loan contract.
Get a personalised rate
We'll work out your Personal Loan personalised rate and repayment estimate based on your credit score and the loan details you give us. It only takes a few steps, and it won’t affect your credit score. Already bank with us? Sign in to save time.
Ready to buy your car? Check out all our options
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Car Loan
A quick overview:
For eligible petrol, diesel or LPG cars. This loan's secured against the car you’re buying—so you’ll enjoy a lower rate than the Unsecured Personal Loan.
From:6.49%p.a.Fixed interest rateWith a:7.90%p.a.Comparison rate
- Tick - You could borrow: $10,000 - $100,000
- Tick - Repayment terms: 1-7 years
- Tick - Security: The car you’re buying
- Tick - Car eligibility: Eligible petrol, diesel or LPG cars only
Visit our Car Loan page for full eligibility details and terms.
-
Electric Car Loan
A quick overview:
For eligible electric or Plug-in Hybrid Electric Vehicles (PHEV). This loan’s secured against the car you’re buying—so you get a fixed rate.
Rate:5.99%p.a.Fixed interest rateWith a:7.41%p.a.Comparison rate
- Tick - You could borrow: $10,000 - $100,000
- Tick - Repayment terms: 1-7 years
- Tick - Security: The car you’re buying
- Tick - Car eligibility: Eligible Electric or PHEV cars only
Visit our Electric Car Loan page for full eligibility details and terms.
-
Hybrid Car Loan
A quick overview:
For eligible hybrid cars. This loan's secured against the car you’re buying—so you get a fixed rate.
From:5.99%p.a.Fixed interest rateWith a:7.41%p.a.Comparison rate
- Tick - You could borrow: $10,000 - $100,000
- Tick - Repayment terms: 1-7 years
- Tick - Security: The car you’re buying
- Tick - Car eligibility: Eligible Hybrid cars only.
Visit our Hybrid Car Loan page for full eligibility details and terms.
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Unsecured Personal Loan
A quick overview:
For eligible cars over 7 years old (or when you don’t want to use the car as security). It also works for other vehicles like a motorbike or caravan.
From:7.00%p.a.Fixed interest rateWith a:8.41%p.a.Comparison rate
- Tick - You could borrow: $4,000 - $50,000
- Tick - Repayment terms: 1-7 years
- Tick - Security: Not required
- Tick - Car eligibility: Any car (or motorcycle)
Visit our Unsecured Personal Loan page for full eligibility details and terms.
Why do we show comparison rates?
Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Find more information in the ‘Things you should know’ section.
Things you should know
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice. Please consider your individual circumstances before applying for a Westpac Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 30 October 2025.
More information on comparison rates:
- Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 6.49% p.a. (comparison rate 7.90% p.a.), the estimated total amount payable including fees is $36,404. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 6.49% p.a. to 12.99% p.a. (comparison rate from 7.90% p.a. to 14.34% p.a.)
- Electric Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above.
- Hybrid Car Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a personal loan of $30,000 borrowed for 5 years with the interest rate of 5.99% p.a. (comparison rate 7.41% p.a.), the estimated total amount payable including fees is $35,981. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 5.99% p.a. to 10.29% p.a. (comparison rate from 7.41% p.a. to 11.66% p.a.)
- Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years with the interest rate of 7.00% p.a. (comparison rate 8.41% p.a.), the estimated total amount payable including fees is $36,839. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 7.00% p.a. to 21.99% p.a. (comparison rate from 8.41% p.a. to 23.28% p.a.)
Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.