The Nissan Navara has gained significant popularity in Australia as a versatile and reliable pickup truck, boasting both ruggedness and a sleek design. If you want to own a Nissan Navara, it’s time to explore your car loan options.

Before buying a Nissan Navara, you need to know the factors that could impact your repayments so you can make informed an decision on your car financing. Know more by reading the article below.

Factors to Consider when Calculating Car Finance Repayments

Here are some essential factors to take into account when assessing repayments for your new Navara:

  • Purchase price – includes base price, dealer delivery fees, insurance costs, registration fees, and other additional expenses.
  • Deposit or trade-in value – if you’re going to make an initial deposit or trade in the value of your current vehicle, it could help lower monthly repayments. Plus, it will be advantageous for those adding a balloon payment to their finance agreement.
  • Interest rate – this rate can vary between lenders and depends on your credit score, loan duration, and the like. Shop around and compare different loans so you have a better idea of what’s out there. This way, you can secure the car loan that’s most suitable for your needs.

Remember, if there are car finance deals that sound too good to be true, they usually are. You might come across offers boasting 0% or 1% finance rates, however, these deals often eliminate any room for negotiation or compromises. You could end up paying more for these types of loans.

Online Tool to Help Calculate Repayments and Car Finance

Calculating your car finance and repayments doesn’t have to be difficult. Thankfully, has a great online tool to help you compute your payments and total loan amount.

With this calculator, all you need to do is input the purchase price, deposit or trade-in value, and the applicable interest rate. You can estimate your monthly payments and the overall cost of the loan with ease.

Find the perfect car finance for your Nissan Navara with confidence using our online car loan calculator. Make sure you make an informed decision and secure the best finance for your needs.

Example Calculation for a Nissan Navara ST 4x4

Suppose you're considering purchasing an ST 4x4 for $54,205 (before on-road fees). You have a trade-in vehicle of $10,000, leaving your loan amount borrowed at $44,205 and your credit score and personal situation qualify you for an indicative interest rate of 6.19%. You decide to finance the vehicle over a 60-month term.

Using an online loan calculator, you can estimate that your monthly payments would be around $627, with the total cost of the loan coming in at around $53,856. This includes the principal amount of the loan and interest paid over the term of the loan, however, any fees or charges associated with the loan would still have to be added.

See the latest offers available on new and used finance.

Key takeaway

When financing a Nissan Navara, always consider the purchase price, deposit, and interest rate on the loan. Using a loan calculator and comparison tool, you can estimate monthly payments and the total cost of the loan. This helps you shop around for the best deal for your Nissan Navara.

Other Considerations

Love Nissan, but not sure if the Navara is for you? Check out the Nissan X-Trail or for a different brand ute that may suit your needs, the Toyota HiLux.