Know Your Borrowing Power

The Borrowing Power Calculator gives you a personalised estimate of how much you may be eligible to borrow for a car loan. It’s based on key factors such as your living situation, income, and basic expenses.

Your estimated borrowing power is calculated using simplified lending guidelines, which typically factor in your income, living expenses, and liabilities (like rent or mortgage). The result shows how much you might be able to borrow and what your repayments could look like.

Every lender has different policies, interest rates, and risk assessment models. This calculator gives you a ballpark figure, but your actual borrowing capacity may be higher or lower depending on your personal situation.

This is a great place to start - but for a more accurate budget and repayment plan, we recommend getting pre-approved. It gives you real confidence and helps you search within your true buying range.

We look at your credit profile, income, expenses, and overall financial situation to offer you personalised rates from 7.95% p.a. There are no hidden fees or surprise charges.

• The Borrowing Power Calculator estimates how much you may be able to borrow.

• The Repayment Calculator estimates what your repayments could look like based on a given loan amount.

We recommend using both tools together to better understand your finance options.

We run a soft check first to give you a quote without affecting your credit score. If you accept the offer, a full credit check will be done at that point.

Click through to start a quick online application. Our team will guide you through pre-approval and match you with a lender that fits your profile - no obligations, just clarity.