OTSOTS Auto
Finance calculator

Work out your monthly instalment

Set the vehicle price, deposit, term and rate to see what you'd pay each month. Terms from 12 to 96 months. Interest starts at 12%.

12.00%
Starts at 12%. The bank sets your actual rate based on your credit profile, typically between 12% and 24%.
0%
A balloon lowers the monthly instalment but leaves a lump sum to pay (or refinance) at the end of the term.
Estimated monthly instalment
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Vehicle price
Deposit
Amount financed (incl. initiation fee)
Total interest
Total fees
Balloon payment at end of term
Total cost of credit
VehicleInterestFees
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This calculator gives an estimate only and is not a quote or an offer of credit. Instalments are calculated on a linked, fixed-rate basis with monthly compounding. The final interest rate, fees and instalment are set by the credit provider after its credit and affordability assessment. OTS Auto does not guarantee approval.

Looking at a specific vehicle?

Every vehicle in our stock list shows a "from" instalment per month. Use this calculator to see how a deposit, term or balloon changes it.

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