Compare car financing

Compare two quoted payment schedules.

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Quote A

Contract term (months)Number of regular monthly instalmentsCopy from the quote: 48 months can mean 47 instalments plus a final payment.Regular monthly instalment (€)Down payment (€)Separate extra costs due upfront (€)Separate extra costs at contract end (€)Final payment in addition to regular instalments (€)

More details (optional)

Different last regular instalment (€), optionalComparable cash price (€), optional

Plan savings for the final payment (optional)

A monthly savings transfer with no interest. It is not an additional loan cost and does not change payments due at contract end.

Remaining monthly saving periodsAlready saved (€)

Remaining savings target: Unknown
Regular savings transfer: Unknown
Final savings transfer: Unknown

The regular transfer rounds up to whole cents; the final transfer may be smaller; stop when the target is funded. Saving periods must fit within the entered contract term.

Use 0 for confirmed zero amounts. Count extra costs once, only where they are not already in the instalments. Blank last regular instalment = same amount as the other instalments.

Compare payment schedules

Complete both payment schedules. Unknown values stay unknown.

No quoted instalment yet? Nominal-rate model

Separate estimate: monthly interest, first instalment after one month, final payment additional to the last regular instalment. Enter the net loan including financed costs. An effective APR is not a nominal rate; do not enter it here. The model does not replace a quoted schedule.

Net loan (€)Fixed nominal annual rate (%)Model term (months)Model final payment (€)Outstanding balance after month

Estimated highest regular monthly instalment: Unknown
Estimated balance after the selected month: Unknown

The last regular instalment adjusts for cent rounding. The model balance follows payments due, including a final payment if due; it is not a bank settlement quote.

Method and contract questions

Total = down payment + separate costs + regular instalments + final payment. With a different last instalment: (count − 1) × monthly instalment + last regular instalment. All amounts are euros, without discounting. Running costs and future sale proceeds are outside this contract total. Equity or negative equity requires supported vehicle value and debt figures.

The payment schedule assumes monthly instalments from month 1 and the final payment at contract end.

Check the quote: are insurance or extra services included? Does the final payment replace a monthly instalment? Are there return rights or extra conditions? The entered final payment remains a payment here; a return is not treated as confirmed debt repayment.