Praised for its versatility and reliable performance, the Nissan X-Trail has established itself as one of the best SUV options in Australia. If you’re thinking of purchasing a Nissan X-Trail of your own, it’s essential to explore your car loan options. Understand the key factors that impact your repayments so you can make an informed decision when financing your SUV.

Read on to learn more about what you need to consider when securing the right car finance for your Nissan X-Trail. Plus, some helpful tools that can assist you in calculating repayments.

Factors to Consider When Calculating Car Loan Repayments

When determining the repayments for your new X-Trail, think about the following:

  • The purchase price of the vehicle – This includes the base price of the SUV and any additional expenses like dealer delivery fees, registration fees, and insurance costs.
  • The deposit amount or trade-in value of your current vehicle Adding the deposit or trade-in value of your vehicle can reduce the loan amount required which minimises your potential repayments. This is also advantageous if you want to have a balloon payment as part of your car finance.
  • The car loan interest rate – This rate can vary depending on your credit score, loan duration, and the like. A loan with lower interest rates could have higher monthly fees while a higher-interest loan could have no fees included. Compare loans to see which one best suits your needs.

You may encounter adverts promoting 0% to 1% finance rates, which might sound promising, but typically are not. While these rates may seem attractive, they often eliminate any room for negotiation on the vehicle’s price which could cost you more in the long run.

Calculating Repayments and Car Finance

Computing potential repayments for your X-Trail can be a challenge. The good news is that provides a handy online loan calculator tool that does all the work for you.

This loan calculator considers the purchase price, deposit or trade-in value, and applicable interest rate. All you need to do is input the information and you’re good to go. Using this calculator, you can estimate your monthly payments and estimate the overall cost of the loan.

Navigate your car finance for the Nissan X-Trail with confidence. Figure out your payment options and secure the best possible car financing that suits your needs perfectly.

Example Calculation for a Nissan X-Trail Ti (4WD)

Suppose you're purchasing an X-Trail Ti 4WD for $49,990 (before on-roads). You have a trade-in vehicle of $15,000, leaving your loan amount borrowed at $34,990 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 $617, with the total cost of the loan coming in at around $55,021. 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.

Main takeaway

When financing a Nissan X-Trail, you need to consider the purchase price, deposit, and interest rate on the loan. A loan calculator is an easy-to-use and incredibly helpful tool that lets you see for yourself the potential repayments and total costs of different loans. You’re free to shop around for the best deal possible and see if the Nissan X-Trail is the ideal vehicle for you.

Other Considerations

Love Nissan but the X-Trail isn't for you? Try the Nissan Pathfinder, or for a different brand the Toyota Rav4.