Truck Loans Australia Truck Loan Repayment Calculator

Our Truck Loan Repayment Calculator helps Australian drivers and businesses estimate loan repayments before you commit. It is designed to support budgeting, cash flow planning, and comparing truck finance scenarios by showing how changes to price, deposit, term, and interest rate can affect your repayments and total interest cost.

How to complete the calculator for the most accurate estimate

1. Purchase Price

Enter the total purchase price of the truck you plan to finance. Consider including eligible on-road and purchase-related costs that may be financed (for example registration, insurance, or other costs where applicable). Use whole numbers only, without commas or decimals.

2. Deposit or Trade-in Value

If you are paying an upfront deposit or using a trade-in, enter that amount here. This reduces the amount you need to borrow and can lower repayments and total interest. Use whole numbers only.

3. Term of Loan (Years)

Select the loan term in years. In general, a longer term can reduce the periodic repayment but may increase the total interest paid over the life of the loan. Choose a term that suits your expected truck usage and business cash flow.

4. Interest Rate (Percent per annum)

Select an interest rate to model your scenario. Rates vary by lender and borrower circumstances, so it can be helpful to test a conservative rate as well as an optimistic one.

5. Calculate

Select calculate to generate your repayment estimate and repayment breakdown visuals.

How to interpret your results

1. Repayment estimate

Use this as a guide to affordability and budgeting. If the repayment is tight, test a higher deposit, shorter term, or different interest rate.

2. Amortisation and graphs

Review how the loan balance reduces over time, and how each repayment typically shifts from mostly interest early on to more principal later. This can help with planning for refinancing, early payout, or upgrade timing.

ASIC compliance note: This calculator provides information only and is not financial or credit advice. Results are estimates and may not include all fees, charges, taxes, residuals or balloon payments. Consider your objectives and financial situation, and seek independent advice or a lender quote before proceeding.