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Finance calculator

Know your monthly payment before you visit

Try different down payments, interest rates and durations. See the total cost, compare terms, and check the down payment lenders will actually ask for.

40% of the price

Lenders can finance at most 60% of this type of vehicle, so you need at least 40% down (Rs 2,400,000).

How the rate is charged

Reducing balance: interest is charged only on what you still owe the standard way.

Duration5 years · 60 months
More options fees and affordability

Estimated monthly payment

Rs 83,766

for 60 months · 14% reducing

Loan amount
Rs 3,600,000
Total interest
Rs 1,425,942
Total repaid
Rs 5,025,942
All-in cost
Rs 7,425,942

Where your money goes

  • Down paymentRs 2,400,000
  • Loan (principal)Rs 3,600,000
  • InterestRs 1,425,942
Ask us about financing

Compare durations

A longer term means a smaller payment but more interest in total. Tap a row to pick it.

DurationMonthlyTotal interestTotal repaid
1 yearRs 323,234Rs 278,803Rs 3,878,803
2 yearsRs 172,846Rs 548,313Rs 4,148,313
3 yearsRs 123,039Rs 829,421Rs 4,429,421
4 yearsRs 98,375Rs 1,122,015Rs 4,722,015
5 yearsRs 83,766Rs 1,425,942Rs 5,025,942
6 yearsRs 74,181Rs 1,741,008Rs 5,341,008
7 yearsRs 67,464Rs 2,066,980Rs 5,666,980
Repayment scheduleSee how each payment splits between the loan and interest.Show
YearLoan repaidInterest paidBalance left
Year 1Rs 534,632Rs 470,556Rs 3,065,368
Year 2Rs 614,475Rs 390,713Rs 2,450,893
Year 3Rs 706,242Rs 298,946Rs 1,744,651
Year 4Rs 811,714Rs 193,475Rs 932,937
Year 5Rs 932,937Rs 72,252Rs 0
Month-by-month
#PaymentLoanInterestBalance
1Rs 83,766Rs 41,766Rs 42,000Rs 3,558,234
2Rs 83,766Rs 42,253Rs 41,513Rs 3,515,981
3Rs 83,766Rs 42,746Rs 41,020Rs 3,473,235
4Rs 83,766Rs 43,245Rs 40,521Rs 3,429,991
5Rs 83,766Rs 43,749Rs 40,017Rs 3,386,242
6Rs 83,766Rs 44,260Rs 39,506Rs 3,341,982
7Rs 83,766Rs 44,776Rs 38,990Rs 3,297,206
8Rs 83,766Rs 45,298Rs 38,467Rs 3,251,908
9Rs 83,766Rs 45,827Rs 37,939Rs 3,206,081
10Rs 83,766Rs 46,361Rs 37,404Rs 3,159,720
11Rs 83,766Rs 46,902Rs 36,863Rs 3,112,817
12Rs 83,766Rs 47,450Rs 36,316Rs 3,065,368
13Rs 83,766Rs 48,003Rs 35,763Rs 3,017,365
14Rs 83,766Rs 48,563Rs 35,203Rs 2,968,802
15Rs 83,766Rs 49,130Rs 34,636Rs 2,919,672
16Rs 83,766Rs 49,703Rs 34,063Rs 2,869,969
17Rs 83,766Rs 50,283Rs 33,483Rs 2,819,686
18Rs 83,766Rs 50,869Rs 32,896Rs 2,768,817
19Rs 83,766Rs 51,463Rs 32,303Rs 2,717,354
20Rs 83,766Rs 52,063Rs 31,702Rs 2,665,291
21Rs 83,766Rs 52,671Rs 31,095Rs 2,612,620
22Rs 83,766Rs 53,285Rs 30,481Rs 2,559,335
23Rs 83,766Rs 53,907Rs 29,859Rs 2,505,428
24Rs 83,766Rs 54,536Rs 29,230Rs 2,450,893
25Rs 83,766Rs 55,172Rs 28,594Rs 2,395,721
26Rs 83,766Rs 55,816Rs 27,950Rs 2,339,905
27Rs 83,766Rs 56,467Rs 27,299Rs 2,283,438
28Rs 83,766Rs 57,126Rs 26,640Rs 2,226,313
29Rs 83,766Rs 57,792Rs 25,974Rs 2,168,521
30Rs 83,766Rs 58,466Rs 25,299Rs 2,110,054
31Rs 83,766Rs 59,148Rs 24,617Rs 2,050,906
32Rs 83,766Rs 59,838Rs 23,927Rs 1,991,067
33Rs 83,766Rs 60,537Rs 23,229Rs 1,930,531
34Rs 83,766Rs 61,243Rs 22,523Rs 1,869,288
35Rs 83,766Rs 61,957Rs 21,808Rs 1,807,331
36Rs 83,766Rs 62,680Rs 21,086Rs 1,744,651
37Rs 83,766Rs 63,411Rs 20,354Rs 1,681,239
38Rs 83,766Rs 64,151Rs 19,614Rs 1,617,088
39Rs 83,766Rs 64,900Rs 18,866Rs 1,552,188
40Rs 83,766Rs 65,657Rs 18,109Rs 1,486,531
41Rs 83,766Rs 66,423Rs 17,343Rs 1,420,108
42Rs 83,766Rs 67,198Rs 16,568Rs 1,352,911
43Rs 83,766Rs 67,982Rs 15,784Rs 1,284,929
44Rs 83,766Rs 68,775Rs 14,991Rs 1,216,154
45Rs 83,766Rs 69,577Rs 14,188Rs 1,146,577
46Rs 83,766Rs 70,389Rs 13,377Rs 1,076,188
47Rs 83,766Rs 71,210Rs 12,556Rs 1,004,978
48Rs 83,766Rs 72,041Rs 11,725Rs 932,937
49Rs 83,766Rs 72,881Rs 10,884Rs 860,055
50Rs 83,766Rs 73,732Rs 10,034Rs 786,324
51Rs 83,766Rs 74,592Rs 9,174Rs 711,732
52Rs 83,766Rs 75,462Rs 8,304Rs 636,270
53Rs 83,766Rs 76,343Rs 7,423Rs 559,927
54Rs 83,766Rs 77,233Rs 6,532Rs 482,694
55Rs 83,766Rs 78,134Rs 5,631Rs 404,559
56Rs 83,766Rs 79,046Rs 4,720Rs 325,514
57Rs 83,766Rs 79,968Rs 3,798Rs 245,546
58Rs 83,766Rs 80,901Rs 2,865Rs 164,645
59Rs 83,766Rs 81,845Rs 1,921Rs 82,800
60Rs 83,766Rs 82,800Rs 966Rs 0

This is an estimate to help you plan, not an offer. Rates, fees and approval depend on your lender and your circumstances. Maximum loan-to-value limits (60% for vehicles registered over a year, 40% for new or recently registered ones) follow the Central Bank of Sri Lanka rules in force from 25 May 2026 and can change please confirm with your lender. Read the FAQ

Good to know before you borrow

Down payment rules

The Central Bank limits how much of a car's price a lender can finance. Since 25 May 2026 that is 60% for vehicles registered over a year and 40% for new or recently registered ones so you need at least 40% or 60% down.

How long to pay

Lease and loan terms usually run from 1 up to 7 years. A longer term lowers the monthly payment but you pay more interest overall compare them in the table.

Flat vs reducing rate

A flat rate charges interest on the full amount for the entire term, so it is far more expensive than the same number on a reducing-balance loan. Always compare the effective rate.

What lenders look at

Mostly your income, your other monthly commitments and your credit history. Many lenders like total monthly payments to stay under roughly 35% of net income.

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