The essentials
- Instalment times term plus deposit, balloon and fees gives the car’s real price.
- The difference from the cash price is what the finance costs you.
- Ask for every extra and compare with your own bank.
Finance is a price for time
Finance is neither good nor bad — it is a price for time. The problem starts when someone looks only at the instalment and not at the total.
Four steps before you sign
- Multiply the instalment by the term and add the deposit, any final balloon payment and one-off fees. That is the car’s real price.
- Subtract the cash price. The difference is what the finance costs you.
- Ask for every extra: arrangement fee, compulsory credit insurance, penalty for early repayment.
- Compare the effective rate, not just the nominal one, and compare with your own bank. According to the central bank (CBK), banks averaged 6.9 % on new consumer loans in May 2026, microfinance institutions around 23 %.
Our search lets you filter by monthly instalment. The assumptions — deposit, term, rate — are shown with it; they are not an offer, but they make the comparison honest.
Sources
Checked against the sources below. Rules can change: in individual cases the responsible authority decides.