MCC SMART

Quick guides

Guides for this page

Car price

Deposit incl. trade-in

Loan termInterest rate

% p.a.

Secured car loans in mid-2026 typically ranged about 6–9% p.a. — use the rate your lender quotes.

Repayments

Paying cash — no loan

Cost of ownership · estimate

$229 /week

≈ $992 a month · $11,908 a year

Loan repayment: $125 /wk
Running costs: $104 /wk · $5,429/yr

Loan repayments$6,479/yr: $125 /wk
Fuel$1,999/yr: $38 /wk
Insurance$1,560/yr: $30 /wk
Rego + CTP$1,000/yr: $19 /wk
Servicing + tyres$750/yr: $14 /wk
Roadside assist$120/yr: $2 /wk

Loan summary

Amount financed$27,000

Deposit + trade-in$5,000

Total interest$5,397

Total cost of loan$32,397

Total cost of car$37,397

Estimates only — not a quote, an offer of credit, or financial advice. Repayments assume a fixed rate and equal instalments; actual rates, fees, rego, insurance and fuel prices vary by lender, insurer, state and vehicle, so check with providers. All figures in Australian dollars. MotorLoop doesn’t arrange or recommend finance.