Help me choose a car

This calculator will assist you in estimating the value of the vehicle you could buy, based on a specified monthly repayment.

First select the amount you are considering to pay each month. Then vary the deposit rate, term and balloon payments by sliding the buttons to the left or right. The loan amount is calculated immediately. “Vehicle price” indicates the vehicle value for which you could buy.

Calculator Inputs Print | Disclaimer
Monthly repayment:
Deposit:
Term:
Interest rate:
Balloon amount:
Vehicle price:  
Price including Balloon:
Balloon %:
 
Monthly Repayment
The monthly repayments refers to the amount which is paid to the bank every month.
Term
The term refers to the number of months over which the loan will be repayed. The maximum repayment period is 72 months.
Interest rate
The percentage annual interest rate applicable to the transaction.
Fixed profit ratio
The percentage fixed profit ratio applicable to the transaction.
Balloon payment
A balloon payment is an inflated payment at the end of a contract. The customer is solely responsible for the balloon payment and at the end of the agreement has certain options that include: settle the account in cash, dispose of the vehicle and settle the account, or re-finance the payment at the banks discretion. Whilst a balloon payment has the effect of reducing the monthly instalment, total interest paid can be higher and therefore vehicles should be financed with the lowest balloon payment possible.
Loan amount
The loan amount refers to the amount that will be financed by the bank.
Loan including Balloon
The loan including balloon is the amount that can be purchased for, taking into account the addition of the future value of the balloon lump sum.
Balloon %
The balloon percentage is the balloon lump sum payment expressed as a percentage of the finance amount.
Deposit
A deposit is an amount paid by the borrower, to reduce the finance or loan amount required. A deposit is not always required when financing a motor vehicle.
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Disclaimer

1) The content of this Internet site is protected by law, including, without limitation, copyright, patent and trade mark law, and is the property of Volkswagen of South Africa (Pty) Ltd (VWSA).

2) These terms apply in addition to the Terms and Conditions of Use of the website, which are accessible by clicking here.

3) All values in the calculations generated by the calculators should be regarded as a guideline only. You acknowledge that this calculator is merely provided for your convenience.

4) If you submit an application for finance to Volkswagen Financial Services [a division of WesBank, a division of FirstRand Bank (VWFS)] you acknowledge that a manual process of verifying the data and collecting proof thereof will take place to ensure that a full credit assessment is performed. In order to process an application, you agree that it may be necessary to perform credit, reference or other checks. You accordingly accept that the final calculation may differ from the guidelines generated by the financial calculator and that figures will be confirmed at the time of finalising a transaction.

5) The site and all information and services provided on this site should not be treated as professional advice or a final calculation.

6) No liability or responsibility whatsoever is accepted if information or data is corrupt or incorrect for whatever reason. We do not accept liability for any loss, expense, claim or damage of any nature arising as a result of, or attributable to, your use of or reliance on the calculator. You indemnify VWSA and VWFS accordingly.

7) We do not warrant the accuracy or completeness of the information or that the information or data available on this site is free of viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of a computer system, computer network or your hardware or software. You accept all risk in this regard.

8) VWSA may, in its sole discretion, suspend, amend or terminate the operation of or any of the services provided on this site, without prior notice. Information regarding the products, fees and/or costs which are included in and form a fundamental basis of the calculations are subject to change at any time prior to a final pre-agreement quote being handed to you by VWFS.

9) Use of this site and the related services shall be governed by South African law and be subject to the exclusive jurisdiction of the South African courts.

10) All calculations made on calculators supplied on this site, together with rates quoted, are guidelines only and are subject to confirmation at the time of finalising any transactions. All information regarding the products, fees, rates and/or costs which are included in and form a fundamental basis of the calculations are subject to change at any time prior to a final pre-agreement quote being handed to the User. The User indemnifies Volkswagen Financial Services against any loss or liability, which the User may suffer as a result of the use of any calculator. The site and all information provided on this site and the services provided on this site, are provided “as is”. The information provided on this site should not be treated as professional advice of any kind.

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