Car Loan Calculator
Car Price $ Loan Term
spacer
COE Remaining
8yrs 1mth 13days
Down Payment
$
ARF
$
PARF Scheme
min PARF 50% of ARF
Interest Rate
    %
COE
$
Values below are calculated based on inputs above.
By MAS ruling, maximum loan term is up to 7 years and Maximum loan amount 60% or 70% of the Car Price.
Results
Loan Amount $46,199  
Instalment $665 / month  
Total Paid on Loan $55,836  
Road Tax $738 / year
Depreciation $7,270 / year
COE $49,700
ARF $13,955
UPFRONT PAYMENT UPON CAR PURCHASE
Transfer Fee $25
Down Payment $19,800

Maximum 70% Loan

1st Instalment $665
Total Upfront Payment $20,490
(excluding insurance)
   Loan Break-Even
Year Loan Redemption Amt
Deregistration Value
0 $46,199 $50,839
1 $42,181 $45,869
2 $35,924 $40,885
3 $29,356 $35,915
4 $22,478 $30,248
5 $15,288 $24,580
6 $7,788 $18,899
7 $0 $13,231
8 $0 $7,563
9 $0 $6,978as of Jun 2026
10 $0 $0

- Deregistration value is exclusive of car body value.

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