Set the inputs
Enter the car price, down payment and term. The financed amount starts with price minus down payment, before relevant fees.
Car financing
Calculate flat-rate or reducing-balance car financing with a down payment and separately stated fees.
Result
Enter your assumptions and calculate payments and remaining debt.
Monthly model: interest and payments round to cents; the final payment clears the balance. Extra payments follow interest and regular payment. Total payments already include extras.
Use the contract price; VAT is not added automatically. Flat interest allocation is illustrative and does not determine early-settlement rebates.
This is an estimate, not a loan offer or an exact lender statement.
How to use this calculator
Check the terms
Choose flat rate or reducing balance to match the contract. A 3% rate means different interest bases in the two models.
Read the result
Read the installment, total paid and fee cost. The lowest installment does not establish the cheapest offer.
A worked example
Illustrative calculation
A 500,000 THB car with 100,000 THB down finances 400,000 THB. Flat 3% for 60 months means 60,000 THB interest before fees.
Compare a second scenario
For the same car and down payment, compare 48 and 60 months using both total interest and monthly payment.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
This rate-basis model does not calculate contractual hire-purchase early-settlement discounts or legal entitlements.