$115,000

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
4 Nov 2016 (5 years, 5 months remaining)
Months
(5 years, 5 months )
%

$25,066 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$55,201
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$115,000
Monthly Installment
$1,232.89 /month for 5 years, 5 months (65 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$34,500 (30% of Car Price)
1st Installment
$1,232.89
Total Upfront Payment
$35,757.89

Loan Details

Total Loan
$80,500 Information
Total Interest
$11,138 Information
Total Sum Paid
$91,638 at the end of 5 years, 5 months (65 months)

Other Car Financial Details

COE
$55,201 Information
ARF Paid
$27,092 Information
PARF Rebate
You get back $13,546 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$19,254 Information
Loan Redemption Amount Paper/Deregistration Value
Month Year
Loan Redemption
Amount The amount to pay out to the bank upon the early settlement of loan. It is the oustanding minus the loan redemption.
Dereg Value Total value of PARF and COE Rebate, also known as 'Paper Value'.
Cash Position The cash balance of the car upon loan settlement and car degistration. If this value started to be greater than 0, it is commonly known as 'Break Even'.
Aug 2021 -68,105 48,240 -19,865
Sep 2021 -67,204 47,780 -19,424
Oct 2021 -66,298 47,320 -18,978
Nov 2021 -65,387 46,860 -18,527
Dec 2021 -64,471 46,400 -18,071
Jan 2022 -63,550 44,687 -18,863
Feb 2022 -62,623 44,227 -18,397
Mar 2022 -61,692 43,767 -17,925
Apr 2022 -60,755 43,307 -17,448
May 2022 -59,813 42,847 -16,966
Jun 2022 -58,865 42,387 -16,479
Jul 2022 -57,913 41,927 -15,986
End Of Year 1 of Loan
Aug 2022 -56,955 41,467 -15,488
Sep 2022 -55,992 41,007 -14,986
Oct 2022 -55,024 40,547 -14,477
Nov 2022 -54,051 40,087 -13,964
Dec 2022 -53,072 39,627 -13,446
Jan 2023 -52,089 37,913 -14,175
Feb 2023 -51,100 37,453 -13,647
Mar 2023 -50,106 36,993 -13,113
Apr 2023 -49,107 36,533 -12,573
May 2023 -48,102 36,073 -12,029
Jun 2023 -47,093 35,613 -11,479
Jul 2023 -46,078 35,153 -10,925
End Of Year 2 of Loan
Aug 2023 -45,058 34,693 -10,365
Sep 2023 -44,033 34,233 -9,799
Oct 2023 -43,002 33,773 -9,229
Nov 2023 -41,967 33,313 -8,653
Dec 2023 -40,926 32,853 -8,073
Jan 2024 -39,880 31,140 -8,740
Feb 2024 -38,829 30,680 -8,149
Mar 2024 -37,772 30,220 -7,552
Apr 2024 -36,711 29,760 -6,951
May 2024 -35,644 29,300 -6,344
Jun 2024 -34,572 28,840 -5,732
Jul 2024 -33,495 28,380 -5,115
End Of Year 3 of Loan
Aug 2024 -32,413 27,920 -4,493
Sep 2024 -31,325 27,460 -3,865
Oct 2024 -30,233 27,000 -3,233
Nov 2024 -29,135 26,540 -2,595
Dec 2024 -28,032 26,080 -1,952
Jan 2025 -26,923 24,366 -2,557
Feb 2025 -25,810 23,906 -1,903
Mar 2025 -24,691 23,446 -1,245
Apr 2025 -23,567 22,986 -581
May 2025 -22,438 22,526 88
Jun 2025 -21,304 22,066 762
Jul 2025 -20,165 21,606 1,442
End Of Year 4 of Loan
Aug 2025 -19,020 21,146 2,126
Sep 2025 -17,870 20,686 2,816
Oct 2025 -16,715 20,226 3,511
Nov 2025 -15,555 19,766 4,211
Dec 2025 -14,390 19,306 4,917
Jan 2026 -13,219 17,593 4,374
Feb 2026 -12,043 17,133 5,090
Mar 2026 -10,862 16,673 5,811
Apr 2026 -9,676 16,213 6,537
May 2026 -8,485 15,753 7,268
Jun 2026 -7,288 15,293 8,005
Jul 2026 -6,087 14,833 8,746
End Of Year 5 of Loan
Aug 2026 -4,880 14,373 9,493
Sep 2026 -3,668 13,913 10,246
Oct 2026 -2,450 13,453 11,003
Nov 2026 -1,228 12,993 11,765
Dec 2026 0 12,533 12,533
Disclaimer: The Car Loan Calculator is used as a guide to help you to get a better sense of your financial commitments when buying a car. It does not warrant the accuracy, adequacy or completeness of the figures presented. Oneshift.com expressly disclaims liability for errors or omissions.

Browse by Car Make