Car Loan Calculator
Car Price $ Loan Term
spacer
COE Remaining
6yrs 4mths 2days
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 $55,160  
Instalment $863 / month  
Total Paid on Loan $65,571  
Road Tax $1,636 / year
Depreciation $10,720 / year
COE $54,920
ARF $21,386
UPFRONT PAYMENT UPON CAR PURCHASE
Transfer Fee $25
Down Payment $23,640

Maximum 70% Loan

1st Instalment $863
Total Upfront Payment $24,528
(excluding insurance)
   Loan Break-Even
Year Loan Redemption Amt
Deregistration Value
0 $55,160 $50,902
1 $49,294 $45,395
2 $40,936 $38,834
3 $32,169 $32,273
4 $22,991 $25,711
5 $13,403 $19,135
6 $3,406 $12,574
7 $0 $10,693as of Feb 2026
8 $0 $0
9 $0 $0
10 $0 $0

- Deregistration value is exclusive of car body value.

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