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Motor Traders

Buying guide · Paying for it

How to read a car-finance quote

A weekly payment is only one part of a car-finance quote. Compare the amount borrowed, deposit, interest rate, fees, loan term and total amount repaid before accepting an offer.

Sources checked 26 September 2026 · 2 official sources · 1-minute read

Read the full cost

A lower weekly amount can result from a longer term and may increase the total interest paid. Check the establishment and ongoing fees as well as the interest rate.

Separate the car from add-ons

Ask which products are optional and what each costs. Make sure ORC, any trade-in, deposit and optional cover are clear in the written quote.

Compare before signing

Request the same figures from each lender or dealer and compare the total amount repayable. Motor Traders' website calculator is indicative; your actual terms depend on the lender's assessment and written offer.

  • Drive-away vehicle price and deposit.
  • Amount borrowed, interest rate and term.
  • Establishment and ongoing fees.
  • Total repayments and optional products.

Relevant cars on the yard

  • 2019 Honda Civic

    Price

    Current price $25,990

    + ORC

    $0 deposit

    or an estimated $135 a week on finance

    Finance estimate

    $0 deposit · 60 months · 10.95% p.a.

    Fees
    $395 + $10/month
    Total payable
    $34,861

    Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.

    Odometer: 95,832 km
    Transmission: Automatic
    Engine and fuel: 1.5L petrol
    Auction grade: Grade 4.5
  • 2017 Toyota Estima

    Price

    Current price $29,980

    + ORC

    $0 deposit

    or an estimated $155 a week on finance

    Finance estimate

    $0 deposit · 60 months · 10.95% p.a.

    Fees
    $395 + $10/month
    Total payable
    $40,060

    Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.

    Odometer: 104,118 km
    Transmission: Automatic
    Engine and fuel: 2.4L hybrid
    Equipment highlight: Reverse camera
  • 2015 Toyota Corolla

    Save $1,000

    Current price $15,990

    Previous price $16,990 + ORC

    $0 deposit

    or an estimated $84 a week on finance

    Finance estimate

    $0 deposit · 60 months · 10.95% p.a.

    Fees
    $395 + $10/month
    Total payable
    $21,831

    Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.

    Odometer: 91,185 km
    Transmission: Automatic
    Engine and fuel: 1.5L hybrid
    Auction grade: Grade 4.5