we offer a wide range of smart, competitive car finance plans that are always tailored to your specific needs. our car finance consultants will conduct an in-depth analysis of your situation, requirements and budget to come up with the best solution for you. before we get into all that, you can get a rough idea of your savings by using this car finance calculator.
enter your details into the calculator below to find out how much you could save if you switched to fingo’s car finance options.
Fingo’s car finance calculator is designed to give you a clear and practical snapshot of your potential car finance costs before you commit to any decisions. By entering key details such as your vehicle price, preferred loan term, and estimated balloon or residual amount, the calculator instantly shows your estimated repayments and overall loan cost. This allows you to understand affordability upfront rather than relying on assumptions.
One of the biggest advantages of using the car finance repayment calculator is the ability to adjust variables and immediately see how they affect your repayments. Changing the loan length, deposit amount, interest rate assumption, or balloon payment can significantly alter your monthly costs. Seeing these changes in real time helps you make more confident financial decisions.
The calculator is also helpful when comparing finance pathways. Many users explore whether a traditional car loan makes more sense than alternatives like a novated lease or paying cash. While the calculator provides an estimate only, it creates a strong baseline for understanding which option may suit your lifestyle and cash flow.
Once you have your results, Fingo’s consultants can refine the numbers further by factoring in income structure, tax position, and salary packaging opportunities. This deeper review often uncovers savings that a basic calculator alone cannot show.
Fingo offers a broad range of car finance and leasing solutions designed for both individuals and businesses. These include car loans, novated leases, chattel mortgages, finance leases, and operating leases. Each option serves a different purpose depending on how you earn income, how the vehicle will be used, and whether ownership is a priority.
For employees, a novated lease can be a highly effective option. It allows you to package vehicle repayments and running costs through your salary, potentially reducing taxable income while simplifying budgeting. This structure is particularly popular with professionals who value predictable expenses.
Business owners and self-employed individuals often benefit from asset-based finance options that allow GST claims and interest deductions. Fingo’s approach is not to push one product, but to assess your situation and recommend the structure that delivers the best long-term value.
Rather than offering standardised solutions like many banks, Fingo provides tailored advice that considers lifestyle, cash flow, and future plans.
To get the most accurate results from the calculator, it helps to have a few key details ready. These include the estimated purchase price of your vehicle, whether it is new or used, and the loan term you are considering, which is usually between three and five years. You should also know whether you want a balloon or residual payment at the end of the loan.
If you plan to make a deposit, including that amount will further refine your estimate. Even approximate figures are useful, as they influence both repayments and total interest paid. While the calculator uses estimated interest rates, knowing your general credit position helps you interpret the results realistically.
The calculator is designed as a starting point. Final figures can change once income structure, employment type, and potential salary packaging benefits are considered. This is especially relevant for people comparing traditional finance with options explained in resources like novated lease vs salary sacrifice car lease.
Using the calculator first ensures that any follow-up discussion with a consultant is informed and efficient.
Traditional banks often offer limited, standardised car loan products. Fingo takes a more personalised approach by analysing your full financial profile, employment structure, and vehicle preferences before recommending a finance solution.
Because Fingo works with multiple lenders, customers are not restricted to one institution’s rates or terms. This flexibility is particularly valuable for people with variable income, self-employed arrangements, or specific vehicle requirements.
Fingo also specialises in novated leasing and salary packaging, areas that many banks do not support. This means customers can compare options side by side rather than defaulting to a single loan structure.
Choosing Fingo means working with a partner focused on optimising affordability and long-term outcomes, not just approving finance.
Yes, the calculator can be used to estimate costs for both personal and business vehicles. For business owners, it helps provide an early view of how repayments may affect cash flow, particularly when planning vehicle upgrades or replacements.
While the calculator focuses on individual estimates, it helps businesses understand repayment ranges before moving into more detailed fleet planning. This is useful when considering multiple vehicles, replacement cycles, or financing structures.
For more complex fleet needs, Fingo’s specialists can expand on the calculator results and provide tailored advice around purchasing strategies, maintenance planning, and tax efficiency.
Whether financing one vehicle or managing a growing fleet, the calculator offers a practical starting point.
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