Car finance settlement calculator

Our free car finance settlement calculator can help you estimate your final outstanding payment to clear your outstanding finance.

This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

Your results

Total payments so far

$0

Outstanding amount (settlement)

$0

Annual percentage rate (APR)

0%

How to calculate car finance settlement

This amount includes the remaining balance, interest, and any early settlement fees.

Here’s a general formula to calculate the settlement amount manually:

Outstanding balance: Start with the total amount still owed on the loan.
Early repayment interest: This can vary based on the lender but is often a portion of the remaining interest on the loan.
Early settlement fee: Some lenders may charge a fee for early repayment.

The calculation would look like the below:

Settlement Amount = Outstanding Balance + Interest Adjustment + Early Settlement Fee

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Disclaimer: Swoop Finance Pty Ltd (ABN 52 644 513 333) helps Australian firms access business finance, working directly with firms and their trusted advisors. We are a credit broker and do not provide finance products ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Swoop Finance Pty Ltd can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness, we may receive a commission or finder’s fee for effecting such introductions. Swoop Finance Pty Ltd does not provide any kind of advice and in giving you information about providers products, we are not making any suggestion or recommendation to you about a particular product. Offers of finance are subject to a separate assessment process by the provider and subject to their terms and conditions. If you feel you have a complaint, please read our complaints section which is contained within our terms and conditions.

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