The Formula X Dashboard

FX Finance

Car Loan Calculator

Estimate your repayments — credit score untouched

Enter your details below and use the reference table to find your estimated repayments across all loan terms. For a live quote tailored to you, hit the button below.
Your Details
$
$
Net loan = vehicle price minus deposit
%
FX broker rate from 7.29% p.a.
$
Reduces total interest paid
1 yr2 yr3 yr4 yr5 yr6 yr7 yr
Indicative Comparison Rates
Lowest
FX Broker 7.29% p.a. from
Westpac 7.90% p.a. from
NAB 8.05% p.a. from
ANZ 8.18% p.a. from
Repayment Reference Table
Assumptions used in table below: $30,000 secured loan · 7.29% p.a. · Exceptional credit history · 2026 model vehicle · No deposit. Adjust your own figures above and request a tailored quote for accurate figures.
Term Monthly Weekly Total Interest Total Repayable
1 Year $2,601 $600 $1,212 $31,212
2 Years $1,337 $308 $2,088 $32,088
3 Years $927 $214 $3,372 $33,372
4 Years $723 $167 $4,704 $34,704
5 Years ★ $595 $137 $5,700 $35,700
6 Years $513 $118 $6,936 $36,936
7 Years $455 $105 $8,220 $38,220
Get Your Indicative Quote — No Credit Impact

Rates shown are indicative only based on a $30,000 secured vehicle loan, exceptional credit history, 2026 model vehicle, as at February 2026. This is not an offer or approval of finance. Actual rates and repayments confirmed upon formal assessment. All applications subject to lender credit criteria. AFCA Member #99125. Finance broking by WhiteStar Car Loans Pty Ltd ABN 65 093 403 582 CCR 549035.

Formula X is an educative platform specialising in prestigious performance and luxury vehicle finance.

Founded in 2025, Formula X was established by a luxury vehicle enthusiast with experience across dealerships and lending environments, supported by a broader team with many years of finance and lending experience.

We understand that vehicle finance discussions don’t always fit into standard business hours. That’s why consultations are available after hours, on weekends and during holiday periods.

Whether you’re looking to preserve cash, explore alternative purchase structures, or understand potential business vehicle options, we help you understand the process and available options.

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Financial Ed.

Formula X Financial Education provides clear guidance and is a great resource for luxury and performance car buyers. Learn which finance options may suit your current situation and explore pathways that could get you behind the wheel sooner.

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Vehicle Search

Formula X offers optional access to a Vehicle & Concierge Search service for luxury and performance vehicles. This end-to-end online option allows clients to explore vehicles, coordinate finance and arrange delivery through a single, streamlined experience.

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Luxury Diffusers

Elevate your drive with Formula X Luxury Diffusers — premium car diffusers and air fresheners with long-lasting, designer-inspired scents. Select between our signature hangers or refillable systems.