Car Finance Calculator: Plan Your Next Car with Ease

Buying your next car in Germiston just got easier.Use S-Auto’s free Car Finance Calculator to estimate your monthly payments before you buy.Simply enter the car price, deposit, interest rate, and repayment term — and get an instant estimate.

How Car Finance Works in South Africa

When you buy a used car through finance, a bank or finance partner pays the dealer on your behalf, and you repay monthly over a set term.

Common terms:

Deposit: 10–20% of car price
Interest rates: 11–14% (depending on credit)
Repayment terms: 12–72 months.

Tip: Use the calculator below to explore different options; even a small deposit can lower your monthly payment dramatically.

Monthly Installment

Price *

Interest Rate *

Period (months)

Deposit

Monthly Installment -

Total Interest -

Total Payments -

Why Choose S-Auto for Vehicle Finance

Trusted dealership in Germiston with established finance partners

Quick approval process — less paperwork, faster decisions

Flexible deposits & repayment options

Support for first-time buyers