Car Loan Calculator

Use our handy Car Loan Calculator to estimate what your car loan interest rate and repayments could be.

I want to borrow


  • Build your estimate
  • Loan Summary
  • Stamp Duty
  • Car Insurance
  • Car Registration
  • Running Costs
  • Total Cost Summary

How we can help you

Minimum $loanFrequency_paypername

By paying $loanFrequency_lyname, you will save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

% PA
% PA

Comparison rate* see warning

Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

Stamp Duty

Based on a $assetUse vehicle worth $assetValue in $state, you might pay Stamp Duty of:
Vehicle Value:
No of Cylinders:


What is stamp duty?

Stamp Duty (known as ‘transfer duty’ in Queensland) is a state government tax imposed on certain transactions. In this case, it would be imposed on the transaction of a car from one owner to another.

Car Insurance

It is important to consider insurance when purchasing a car. You are required to pay compulsory insurance as part of your registration, however comprehensive motor insurance will allow you to claim for damage to your own car.
Annual insurance cost:

Comprehensive Motor Insurance
We offer Comprehensive Motor Insurance with a great range of features and optional benefits designed to suit customers with different needs. 

Note: The figures above are illustrative only. They in no way represent an average premium or indication of potential costs. You will need to use our online insurance form to obtain a detailed quote that takes into account you particular situation.

Car Registration

To drive a car in any state it must be registered. Registering a car helps to show clear ownership of the car and also acts as a tax for car owners.
No of Cylinders:
Vehicle Weight:

Running Costs

Staying safe on the road means keeping your car roadworthy.
Estimated weekly Km:
Weekly Running Costs:
Servicing / Repairs:

Total Cost Summary

Total Loan Repayments

Total Interest Paid

By paying $loanFrequency_lyname, you will save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

Heritage Loan Repayment

Car Insurance

Car Registration
Running Costs
Loan Fee
  • What if interest rates change by:

    The Car Loan rate and Standard Fixed Personal Loan rate will not change during your term, however rates are subject to change without notice before you apply.

  • New interest rate
  • New Heritage Loan Repayment

Up-front Costs

These are one off costs that you will need to consider.

Application Fee

Stamp Duty

Other costs to consider

There may be other costs you need to consider when taking out a car loan. For example, you may need to consider your lifestyle expenses and activities and how able you are to modify this if your circumstances happen to change during the period of the loan. If you're buying a second hand car, read our tips on what to look out for when buying a used car.