Vehicle
Deal vs deal comparer
Put two to five full deals on one screen — RS5 vs M3, 30% vs 40% balloon, dealer A vs cash. Same ownership score as the optimiser.
Deal
RS5 · 30% balloon
Deal
RS5 · 40% balloon
Scoreboard
Which deal wins
| Deal | Monthly | True cost | Cost / mo | Equity | Coverage | Score |
|---|---|---|---|---|---|---|
| RS5 · 30% balloonBest score | $2,007 | $55,741 | $1,858 | $29,468 | 117.9% | 54 |
| RS5 · 40% balloon | $1,815 | $56,493 | $1,883 | $22,972 | 91.9% | 50 |
Product
Same car, five structures
Cash, personal loan, balloon, chattel and novated on the selected deal. Chattel is modelled ex-GST; novated uses the ATO residual and a 37% after-tax equivalent.
| Structure | Monthly | True cost | Interest | Balloon |
|---|---|---|---|---|
Cash Full price paid today. No interest. True cost is depreciation, running and selling costs. | $0 | $41,000 | $0 | $0 |
Personal loan No balloon. Rate is modelled 2 points above the balloon quote. | $2,657 | $56,114 | $15,114 | $0 |
Balloon Current balloon structure. Residual is due at term. | $2,007 | $55,741 | $14,741 | $24,000 |
Chattel mortgage Business purchase modelled ex-GST (claim the 1/11th). Residual still due. | $1,825 | $53,038 | $13,401 | $21,818 |
Novated lease ATO max residual. Employee after-tax cost uses a 37% marginal rate. | $1,061 | $57,009 | $16,009 | $37,504 |