Clear assumptions, not false precision
How WCIA calculator estimates work
WCIA helps you explore South African vehicle finance, bond and loan affordability before speaking to a lender, dealer or adviser. Every result is an estimate you can adjust.
Your inputs stay in your control
You can change the interest rate, deposit, term, balloon payment and selected fees. The defaults are simply practical starting points, not an offer from a lender.
What the calculators estimate
Vehicle and custom-loan calculators estimate a monthly repayment from the amount financed, interest rate, term and any selected fees. A vehicle balloon payment is shown separately because it remains payable at the end of the loan term.
The bond calculator estimates monthly repayments and relevant once-off costs from your purchase price, deposit, rate and term. It includes configurable transfer-duty, registration and legal-cost estimates so that the upfront cash requirement is not hidden.
The affordability check considers income, regular living costs, existing debt payments and a savings buffer to suggest a more comfortable monthly repayment range. It is a planning tool, not a credit decision.
South African assumptions and sources
The current default prime rate is 10.50%. It is a convenience default sourced from the South African Reserve Bank and can be changed in every relevant calculator.
Transfer-duty estimates use the current brackets configured from the South African Revenue Service rates effective 1 April 2025. Bond registration, legal and vehicle on-road costs vary by provider, property or dealer, so WCIA presents them as estimates rather than fixed facts.
Important limits
- WCIA does not provide financial advice, a lender quote, credit approval or a lending decision.
- Actual rates, fees, legal costs, tax rules and lender affordability criteria can change.
- Confirm every final figure with the appropriate lender, dealer, conveyancer or qualified adviser before committing.