What will this car really cost me?
Type the price, what you put down, the rate and the months. You'll see what the loan really costs — and how other down payments and loan lengths compare, marked against your own limits.
Worked out on this page. Nothing you type is sent or saved.
- 1 · Quick answer
- 2 · More accurate
- 3 · Exact, in Fyncora →
Your rate against the market
- Interest rate 7.3%About averageNew consumer loans, Ireland, August 2026: 7.3% on average.
Averages of last month's new loans, from the European Central Bank. They are not offers: your rate depends on you, the loan and the bank, and older loans were priced in a different market.
Which option fits you?
Three down payments and three loan lengths around yours. Each box shows the payment a month and the interest in total. Tap one to use it.
| Down payment | 48 months | 60 months | 72 months |
|---|---|---|---|
| €2,500 | |||
| €5,000 | |||
| €7,500 |
Crossed out: it breaks one of your limits.
The least interest is not always the best choice: a bigger down payment empties savings you may need.
- You owe
- The car is worth
Show the numbers
| Month | You owe | The car is worth |
|---|---|---|
| Today | €20,000 | €25,000 |
| 1 | €19,723 | €24,664 |
| 2 | €19,444 | €24,332 |
| 3 | €19,163 | €24,005 |
| 4 | €18,881 | €23,682 |
| 5 | €18,597 | €23,363 |
| 6 | €18,311 | €23,049 |
| 7 | €18,024 | €22,739 |
| 8 | €17,735 | €22,433 |
| 9 | €17,444 | €22,131 |
| 10 | €17,151 | €21,833 |
| 11 | €16,856 | €21,540 |
| 12 | €16,560 | €21,250 |
| 13 | €16,262 | €20,964 |
| 14 | €15,962 | €20,682 |
| 15 | €15,660 | €20,404 |
| 16 | €15,357 | €20,129 |
| 17 | €15,051 | €19,859 |
| 18 | €14,744 | €19,592 |
| 19 | €14,435 | €19,328 |
| 20 | €14,124 | €19,068 |
| 21 | €13,811 | €18,811 |
| 22 | €13,496 | €18,558 |
| 23 | €13,179 | €18,309 |
| 24 | €12,860 | €18,062 |
| 25 | €12,540 | €17,820 |
| 26 | €12,217 | €17,580 |
| 27 | €11,893 | €17,343 |
| 28 | €11,566 | €17,110 |
| 29 | €11,238 | €16,880 |
| 30 | €10,907 | €16,653 |
| 31 | €10,575 | €16,429 |
| 32 | €10,240 | €16,208 |
| 33 | €9,904 | €15,990 |
| 34 | €9,565 | €15,775 |
| 35 | €9,224 | €15,562 |
| 36 | €8,882 | €15,353 |
| 37 | €8,537 | €15,147 |
| 38 | €8,190 | €14,943 |
| 39 | €7,841 | €14,742 |
| 40 | €7,490 | €14,544 |
| 41 | €7,136 | €14,348 |
| 42 | €6,781 | €14,155 |
| 43 | €6,423 | €13,964 |
| 44 | €6,063 | €13,777 |
| 45 | €5,702 | €13,591 |
| 46 | €5,337 | €13,408 |
| 47 | €4,971 | €13,228 |
| 48 | €4,602 | €13,050 |
| 49 | €4,231 | €12,875 |
| 50 | €3,858 | €12,701 |
| 51 | €3,483 | €12,531 |
| 52 | €3,105 | €12,362 |
| 53 | €2,725 | €12,196 |
| 54 | €2,343 | €12,032 |
| 55 | €1,958 | €11,870 |
| 56 | €1,571 | €11,710 |
| 57 | €1,182 | €11,553 |
| 58 | €791 | €11,397 |
| 59 | €396 | €11,244 |
| 60 | €0 | €11,093 |
You never owe more than the car is worth.
Keep this plan
Create your account and Fyncora sets it up for you: a savings goal for the down payment and a budget for the car payment. You check every number first.
Kept on this device for 7 days, until you sign up. Nothing is sent before that.
Options you may not know
Loan or leasing
With a loan the car is yours from the first day. With financial leasing it becomes yours after the last instalment; with operating leasing you hand it back. Compare the total you pay, including any final payment — not only the monthly figure.
Pay cash, or put more down
Everything you put down saves its interest. But keep enough savings for a few months of bills: a cheaper loan is not worth an empty account.
A shorter loan
Higher payments, less interest — and you sooner owe less than the car is worth.
Low payments with a big final payment
A balloon loan looks cheap each month because part of the price waits until the end. You pay interest on that part the whole time, and you need the lump sum, or a new loan, when it falls due.
Fyncora keeps this answer true.
Save the car as a goal with its own budget. Fyncora checks it against your real accounts and bills every month — and tells you early if the car starts to squeeze.
How this is worked out
- The payment uses the standard fixed-rate formula: the same amount every month until the loan is repaid. A final payment is taken out of what the monthly payments repay.
- The grid repeats that calculation for a down payment one step lower and one higher, and for the loan lengths either side of yours.
- The value line takes 15% off the car's value each year. It is a rough guide, not a valuation.
- Market averages are the European Central Bank's bank interest rate statistics for new consumer loans, by country. They are interest rates without fees.
- “Tight” means the loan and running costs take more than a fifth of your take-home pay. “Doesn't fit” means your month no longer closes.
- Guidance, not financial advice. The same calculation runs inside Fyncora on your real numbers.