Private vehicle finance calculator

Calculate your estimated monthly repayment and apply for private vehicle finance.

Vehicle finance calculator


Please note that this online vehicle finance calculator merely provides an indication of the potential monthly repayment and the total payment amount. As mentioned, the final amount is influenced by a variety of factors unique to every purchase that we cannot include in the calculations.

We cannot be held responsible for any inaccurate calculations or information and any loss or damage that you may incur as a result of using our online vehicle finance calculator.

If you are planning on financing a privately purchased vehicle, it is important that you understand your affordability and the potential cost of your monthly repayments. We have created a calculator to help you estimate your monthly repayments and plan your budget accordingly. Let us help you buy the car you want.

Calculating private car finance in South Africa

Using a car finance calculator you are able to see an estimate of what your monthly repayments would be. It is an estimate, but can be really helpful for you to plan your vehicle purchase. When using a vehicle finance calculator, remember that actual monthly repayments are affected by a variety of other factors. These factors include: the age of the vehicle, the length of the loan, the deposit, your debt-to-income ratio, and your credit score.

How does our car finance calculator work?

The vehicle finance calculator will calculate the estimated monthly repayments on the purchase price you are considering. You can also choose to add a deposit to your calculations or change the interest rate to see how these changes will affect your monthly repayments.

Our calculator excludes balloon payments. A balloon payment is a lump sum payment that is attached to a loan and paid towards the end of the loan period. We believe that it is better to finance your vehicle without taking a balloon payment. While we don’t encourage them, if you really want one, you can chat to us about including balloon payments in your vehicle finance.

How can I apply for private vehicle finance?

Once you have calculated your monthly repayments and you are confident that you will be able to repay the car loan, you can use our services to finance your vehicle. You can apply for private vehicle financing, leisure financing (link to page) and refinancing (link to page) through Motorlease.

All you need to do to apply for vehicle financing through Motorlease is fill in our application form. Then we will get back to you regarding your application.