Quote X-ray
Check a car loan or dealer finance quote. See the interest rate the repayments imply, the fees, and the total you'd pay. Everything is worked out in your browser, and nothing you type is sent or saved.
The car
From the quote
The loan
Repayment, term and balloon as printed
Added to the loan
Only what the quote adds to the amount financed
If you might sell early
Optional
Total you'd pay
Things to check
Where the goes
| The car (drive-away) | |
|---|---|
| Add-ons | |
| Interest | |
| Lender fee | |
| Dealer or broker fee | |
| Other fees | |
| Monthly account fees | |
| Total |
How you'd pay it
| Deposit | |
|---|---|
| Trade-in | |
| Balloon at the end | |
| Total |
The rates side by side
| Rate | A year |
|---|---|
| Interest rate | |
| Rate including fees | |
| Comparison rate on the quote Lenders work it out on a standard $30,000 loan over 5 years, so it won't match this loan |
How the X-ray worked it out
Amount financed
The price, less your deposit and trade-in, plus the fees and add-ons added to the loan.
Interest rate
The X-ray finds the rate at which the repayments and the balloon exactly pay off the amount financed. In a spreadsheet: .
Interest
Everything you repay, less the amount financed.
Rate including fees
General information only, not financial advice. The X-ray describes the quote you entered. It doesn't assess whether a loan suits you: that depends on your circumstances, and it's the lender's job to check. Lenders that charge interest daily, or set weekly repayments from monthly ones, land within about 0.1 points of the rate shown. A payout figure when selling early also includes any early termination fees, which aren't counted here. The value estimate doesn't know the make, model or kilometres. Full disclaimer →
RBA average updated quarterly. Last checked October 2026.
Common questions
How does the Quote X-ray find the interest rate?
It finds the rate at which your repayments and any balloon exactly pay off the amount financed: the price, less your deposit and trade-in, plus any fees and add-ons added to the loan. It's the same calculation as a spreadsheet's RATE function.
Why is the rate including fees higher than the interest rate?
Fees added to the loan cost you money but aren't interest. The rate including fees counts them, by comparing everything you repay with what the car cost you after the deposit. The bigger the fees against the loan, the bigger the gap.
Is the rate including fees the same as the comparison rate?
No. A comparison rate also counts most fees, but lenders work it out on a standard loan of $30,000 over 5 years, so it won't match your loan unless yours is that size and length. The rate including fees uses your loan's own numbers.
Does Veercal see the numbers I type?
No. The X-ray runs entirely in your browser. Nothing you type is sent to Veercal or anyone else, saved, or added to the page address.