Car Loan Calculator Perodua

Calculate monthly payments, total interest, and repayment schedules for Perodua Myvi, Bezza, Axia, and Ativa car loans in Malaysia. Plan your Perodua vehicle financing with insurance options and instant results for 2025.

Vehicle & Loan Details

Perodua Model

Model Year

Car Price (MYR)

Default price for Perodua Myvi 2025

Down Payment (MYR)

Total amount financed: RM 32,800.00

Annual Interest Rate (%)

Typical rates: 2.5% - 4.5% for Perodua vehicles

Loan Term (months)

Common terms: 36, 48, 60, 72, 84 months

Insurance Options

Include insurance in loan

Loan Summary

Vehicle

Perodua Myvi 2025

Car Price

RM 42,800.00

Down Payment

RM 10,000.00

Total Financed

RM 32,800.00

Monthly Payment

RM 440.83

Total Interest

RM 4,229.48

Total Payment

RM 37,029.48

Payment Schedule

Month	Payment Date	Beginning Balance	Principal	Interest	Total Payment	Ending Balance
1	November 1, 2025	RM 32,800.00	RM 345.16	RM 95.67	RM 440.83	RM 32,454.84
2	December 1, 2025	RM 32,454.84	RM 346.17	RM 94.66	RM 440.83	RM 32,108.67
3	January 1, 2026	RM 32,108.67	RM 347.18	RM 93.65	RM 440.83	RM 31,761.50
4	February 1, 2026	RM 31,761.50	RM 348.19	RM 92.64	RM 440.83	RM 31,413.31
5	March 1, 2026	RM 31,413.31	RM 349.20	RM 91.62	RM 440.83	RM 31,064.10
6	April 1, 2026	RM 31,064.10	RM 350.22	RM 90.60	RM 440.83	RM 30,713.88
7	May 1, 2026	RM 30,713.88	RM 351.24	RM 89.58	RM 440.83	RM 30,362.63
8	June 1, 2026	RM 30,362.63	RM 352.27	RM 88.56	RM 440.83	RM 30,010.36
9	July 1, 2026	RM 30,010.36	RM 353.30	RM 87.53	RM 440.83	RM 29,657.07
10	August 1, 2026	RM 29,657.07	RM 354.33	RM 86.50	RM 440.83	RM 29,302.74
11	September 1, 2026	RM 29,302.74	RM 355.36	RM 85.47	RM 440.83	RM 28,947.38
12	October 1, 2026	RM 28,947.38	RM 356.40	RM 84.43	RM 440.83	RM 28,590.98
13	November 1, 2026	RM 28,590.98	RM 357.44	RM 83.39	RM 440.83	RM 28,233.54
14	December 1, 2026	RM 28,233.54	RM 358.48	RM 82.35	RM 440.83	RM 27,875.07
15	January 1, 2027	RM 27,875.07	RM 359.52	RM 81.30	RM 440.83	RM 27,515.54
16	February 1, 2027	RM 27,515.54	RM 360.57	RM 80.25	RM 440.83	RM 27,154.97
17	March 1, 2027	RM 27,154.97	RM 361.63	RM 79.20	RM 440.83	RM 26,793.34
18	April 1, 2027	RM 26,793.34	RM 362.68	RM 78.15	RM 440.83	RM 26,430.66
19	May 1, 2027	RM 26,430.66	RM 363.74	RM 77.09	RM 440.83	RM 26,066.92
20	June 1, 2027	RM 26,066.92	RM 364.80	RM 76.03	RM 440.83	RM 25,702.13
21	July 1, 2027	RM 25,702.13	RM 365.86	RM 74.96	RM 440.83	RM 25,336.26
22	August 1, 2027	RM 25,336.26	RM 366.93	RM 73.90	RM 440.83	RM 24,969.33
23	September 1, 2027	RM 24,969.33	RM 368.00	RM 72.83	RM 440.83	RM 24,601.33
24	October 1, 2027	RM 24,601.33	RM 369.07	RM 71.75	RM 440.83	RM 24,232.26
25	November 1, 2027	RM 24,232.26	RM 370.15	RM 70.68	RM 440.83	RM 23,862.11
26	December 1, 2027	RM 23,862.11	RM 371.23	RM 69.60	RM 440.83	RM 23,490.88
27	January 1, 2028	RM 23,490.88	RM 372.31	RM 68.52	RM 440.83	RM 23,118.57
28	February 1, 2028	RM 23,118.57	RM 373.40	RM 67.43	RM 440.83	RM 22,745.17
29	March 1, 2028	RM 22,745.17	RM 374.49	RM 66.34	RM 440.83	RM 22,370.68
30	April 1, 2028	RM 22,370.68	RM 375.58	RM 65.25	RM 440.83	RM 21,995.11
31	May 1, 2028	RM 21,995.11	RM 376.67	RM 64.15	RM 440.83	RM 21,618.43
32	June 1, 2028	RM 21,618.43	RM 377.77	RM 63.05	RM 440.83	RM 21,240.66
33	July 1, 2028	RM 21,240.66	RM 378.88	RM 61.95	RM 440.83	RM 20,861.78
34	August 1, 2028	RM 20,861.78	RM 379.98	RM 60.85	RM 440.83	RM 20,481.80
35	September 1, 2028	RM 20,481.80	RM 381.09	RM 59.74	RM 440.83	RM 20,100.71
36	October 1, 2028	RM 20,100.71	RM 382.20	RM 58.63	RM 440.83	RM 19,718.51
37	November 1, 2028	RM 19,718.51	RM 383.31	RM 57.51	RM 440.83	RM 19,335.20
38	December 1, 2028	RM 19,335.20	RM 384.43	RM 56.39	RM 440.83	RM 18,950.77
39	January 1, 2029	RM 18,950.77	RM 385.55	RM 55.27	RM 440.83	RM 18,565.21
40	February 1, 2029	RM 18,565.21	RM 386.68	RM 54.15	RM 440.83	RM 18,178.53
41	March 1, 2029	RM 18,178.53	RM 387.81	RM 53.02	RM 440.83	RM 17,790.73
42	April 1, 2029	RM 17,790.73	RM 388.94	RM 51.89	RM 440.83	RM 17,401.79
43	May 1, 2029	RM 17,401.79	RM 390.07	RM 50.76	RM 440.83	RM 17,011.72
44	June 1, 2029	RM 17,011.72	RM 391.21	RM 49.62	RM 440.83	RM 16,620.51
45	July 1, 2029	RM 16,620.51	RM 392.35	RM 48.48	RM 440.83	RM 16,228.16
46	August 1, 2029	RM 16,228.16	RM 393.49	RM 47.33	RM 440.83	RM 15,834.66
47	September 1, 2029	RM 15,834.66	RM 394.64	RM 46.18	RM 440.83	RM 15,440.02
48	October 1, 2029	RM 15,440.02	RM 395.79	RM 45.03	RM 440.83	RM 15,044.23
49	November 1, 2029	RM 15,044.23	RM 396.95	RM 43.88	RM 440.83	RM 14,647.28
50	December 1, 2029	RM 14,647.28	RM 398.11	RM 42.72	RM 440.83	RM 14,249.17
51	January 1, 2030	RM 14,249.17	RM 399.27	RM 41.56	RM 440.83	RM 13,849.90
52	February 1, 2030	RM 13,849.90	RM 400.43	RM 40.40	RM 440.83	RM 13,449.47
53	March 1, 2030	RM 13,449.47	RM 401.60	RM 39.23	RM 440.83	RM 13,047.87
54	April 1, 2030	RM 13,047.87	RM 402.77	RM 38.06	RM 440.83	RM 12,645.10
55	May 1, 2030	RM 12,645.10	RM 403.95	RM 36.88	RM 440.83	RM 12,241.16
56	June 1, 2030	RM 12,241.16	RM 405.12	RM 35.70	RM 440.83	RM 11,836.03
57	July 1, 2030	RM 11,836.03	RM 406.31	RM 34.52	RM 440.83	RM 11,429.73
58	August 1, 2030	RM 11,429.73	RM 407.49	RM 33.34	RM 440.83	RM 11,022.24
59	September 1, 2030	RM 11,022.24	RM 408.68	RM 32.15	RM 440.83	RM 10,613.56
60	October 1, 2030	RM 10,613.56	RM 409.87	RM 30.96	RM 440.83	RM 10,203.69
61	November 1, 2030	RM 10,203.69	RM 411.07	RM 29.76	RM 440.83	RM 9,792.62
62	December 1, 2030	RM 9,792.62	RM 412.27	RM 28.56	RM 440.83	RM 9,380.36
63	January 1, 2031	RM 9,380.36	RM 413.47	RM 27.36	RM 440.83	RM 8,966.89
64	February 1, 2031	RM 8,966.89	RM 414.67	RM 26.15	RM 440.83	RM 8,552.22
65	March 1, 2031	RM 8,552.22	RM 415.88	RM 24.94	RM 440.83	RM 8,136.33
66	April 1, 2031	RM 8,136.33	RM 417.10	RM 23.73	RM 440.83	RM 7,719.24
67	May 1, 2031	RM 7,719.24	RM 418.31	RM 22.51	RM 440.83	RM 7,300.92
68	June 1, 2031	RM 7,300.92	RM 419.53	RM 21.29	RM 440.83	RM 6,881.39
69	July 1, 2031	RM 6,881.39	RM 420.76	RM 20.07	RM 440.83	RM 6,460.63
70	August 1, 2031	RM 6,460.63	RM 421.98	RM 18.84	RM 440.83	RM 6,038.65
71	September 1, 2031	RM 6,038.65	RM 423.21	RM 17.61	RM 440.83	RM 5,615.44
72	October 1, 2031	RM 5,615.44	RM 424.45	RM 16.38	RM 440.83	RM 5,190.99
73	November 1, 2031	RM 5,190.99	RM 425.69	RM 15.14	RM 440.83	RM 4,765.30
74	December 1, 2031	RM 4,765.30	RM 426.93	RM 13.90	RM 440.83	RM 4,338.37
75	January 1, 2032	RM 4,338.37	RM 428.17	RM 12.65	RM 440.83	RM 3,910.20
76	February 1, 2032	RM 3,910.20	RM 429.42	RM 11.40	RM 440.83	RM 3,480.78
77	March 1, 2032	RM 3,480.78	RM 430.67	RM 10.15	RM 440.83	RM 3,050.10
78	April 1, 2032	RM 3,050.10	RM 431.93	RM 8.90	RM 440.83	RM 2,618.17
79	May 1, 2032	RM 2,618.17	RM 433.19	RM 7.64	RM 440.83	RM 2,184.98
80	June 1, 2032	RM 2,184.98	RM 434.45	RM 6.37	RM 440.83	RM 1,750.53
81	July 1, 2032	RM 1,750.53	RM 435.72	RM 5.11	RM 440.83	RM 1,314.80
82	August 1, 2032	RM 1,314.80	RM 436.99	RM 3.83	RM 440.83	RM 877.81
83	September 1, 2032	RM 877.81	RM 438.27	RM 2.56	RM 440.83	RM 439.55
84	October 1, 2032	RM 439.55	RM 439.55	RM 1.28	RM 440.83	RM 0.00

Car Loan Calculator Perodua: Your Complete Guide to Financing Perodua Vehicles in Malaysia

Perodua, Malaysia's second national car manufacturer, offers a diverse range of affordable and reliable vehicles from the compact Perodua Axia to the versatile Perodua Ativa SUV. Whether you're considering the popular Perodua Myvi, the practical Perodua Bezza, the budget-friendly Perodua Axia, or the modern Perodua Ativa, understanding your financing options is crucial for making an informed purchase decision. A car loan calculator Perodua is an essential tool that helps you estimate monthly payments, total interest costs, and repayment schedules before committing to your vehicle purchase in Malaysia, including options for Sabah, Sarawak, and other regions.

What is a Car Loan Calculator Perodua?

A car loan calculator Perodua is a specialized financial tool designed to help Malaysian car buyers calculate loan payments for Perodua vehicles. It supports all major Perodua models including the Perodua Myvi car loan calculator, Perodua Bezza car loan calculator, Perodua Axia car loan calculator, and Perodua Ativa car loan calculator. These calculators account for Malaysian Ringgit (MYR) pricing, local interest rates, and typical loan terms offered by Malaysian banks and financial institutions. Whether you're in Sabah, Sarawak, or other parts of Malaysia, a car loan calculator Malaysia Perodua helps you plan your vehicle financing with accurate monthly payment estimates.

The Perodua car loan calculator helps you understand not just your monthly payment, but the total cost of ownership including all interest charges over the loan term. With features like insurance inclusion options, the Perodua car loan calculator with insurance allows you to factor in comprehensive coverage costs into your loan calculations, giving you a complete picture of your financing needs.

Perodua Vehicle Models and Pricing

Perodua offers vehicles across different price segments, each with unique features and financing considerations:

Perodua Axia: As Perodua's entry-level vehicle, the Axia is one of Malaysia's most affordable cars. The Perodua Axia car loan calculator helps you estimate payments for this budget-friendly option, typically with lower monthly payments due to the vehicle's lower price point. Perfect for first-time car buyers in Malaysia, Sabah, and Sarawak.
Perodua Bezza: Positioned as a compact sedan with excellent fuel efficiency, the Perodua Bezza appeals to buyers seeking practicality and economy. The Perodua Bezza car loan calculator helps you plan financing for this value-oriented option, balancing affordability with modern features.
Perodua Myvi: This compact hatchback has become one of Perodua's most popular models, offering modern technology and competitive pricing. The Perodua Myvi car loan calculator helps you estimate payments for this versatile vehicle, which appeals to a wide range of buyers across Malaysia.
Perodua Ativa: As Perodua's compact SUV, the Ativa offers modern styling and practical features. The Perodua Ativa car loan calculator helps you plan financing for this contemporary vehicle, which typically requires higher loan amounts but offers enhanced features compared to smaller Perodua models.

How Car Loan Calculator Perodua Works

Car loan calculator Perodua uses the standard amortization formula, adapted for MYR amounts and Malaysian interest rate structures. The calculation considers your chosen Perodua model, vehicle price, down payment amount, annual interest rate, loan term, and optional insurance costs to determine your monthly payment and total loan cost.

Monthly Payment = (P × r × (1 + r)^n) ÷ ((1 + r)^n - 1)

Where: P = principal (financed amount in MYR, including insurance if applicable), r = monthly interest rate (annual rate ÷ 12), n = number of total payments (loan term in months)

This formula ensures that each payment is calculated to pay off both interest and principal in equal installments over the loan term. Malaysian banks typically use this calculation method for Perodua vehicle financing, whether you're using a Perodua car loan calculator 2025, Perodua car loan calculator with insurance, or any other model-specific calculator. The Perodua car loan interest rate varies depending on your credit score, loan amount, and chosen bank, typically ranging from 2.5% to 4.5% annually.

Key Features of Car Loan Calculator Perodua

Model Selection: Choose from all major Perodua models including Myvi, Bezza, Axia, and Ativa. Each model has different pricing, affecting your loan amount and monthly payments.
Insurance Options: The Perodua car loan calculator with insurance allows you to include comprehensive insurance costs in your loan calculation. This feature helps you understand the total financing required when insurance is bundled with your vehicle loan, a common practice in Malaysia.
Per 1000 Calculator: The car loan calculator per 1000 feature helps you quickly estimate monthly payments for any loan amount by calculating the payment per 1000 MYR. This is useful for comparing different loan amounts and understanding how much you'll pay per thousand ringgit borrowed.
Interest Calculator: The "how much interest will I pay car loan calculator" feature shows you exactly how much interest you'll pay over the entire loan term. This helps you understand the true cost of borrowing and compare different loan scenarios.
Payoff Calculator: The "how long to pay off car loan calculator" feature calculates how many months it will take to pay off your loan based on your monthly payment amount. This helps you plan your repayment strategy and see how different payment amounts affect your payoff timeline.
Down Payment Calculation: Input your down payment amount to see how it affects your monthly payments and total loan amount. Larger down payments reduce both your monthly payment and total interest paid.
Payment Schedule: Detailed amortization tables show how each payment is applied to principal versus interest, helping you understand your loan progression over time. Export to Excel functionality allows you to save and analyze your payment schedule.
MYR Currency Formatting: All amounts are displayed in Malaysian Ringgit (MYR), making it easier to understand costs in local currency terms for buyers across Malaysia, including Sabah and Sarawak.

Benefits of Using a Car Loan Calculator Perodua

Budget Planning: Calculate your monthly payment before visiting Perodua showrooms to ensure the vehicle fits your budget. This is especially important when comparing different models like using a Perodua Myvi car loan calculator versus a Perodua Ativa car loan calculator.
Model Comparison: Compare financing costs across different Perodua models. For example, compare results from a Perodua Axia car loan calculator with a Perodua Myvi car loan calculator to see which fits your budget better.
Insurance Planning: Use the Perodua car loan calculator with insurance to understand how including insurance affects your monthly payments and total loan amount. This helps you make informed decisions about bundling insurance with your loan.
Quick Estimates: The car loan calculator per 1000 feature allows you to quickly estimate payments for any loan amount, making it easy to compare different financing scenarios without recalculating everything.
Interest Understanding: The interest calculator helps you understand exactly how much interest you'll pay, which is crucial for making informed financial decisions.
Payoff Planning: The payoff calculator helps you understand how long it will take to pay off your loan with different monthly payment amounts, allowing you to plan your repayment strategy effectively.
Down Payment Planning: Experiment with different down payment amounts to find the optimal balance between upfront cost and monthly payment affordability.
Interest Rate Comparison: Test different interest rates to see how they affect your total loan cost. Understanding Perodua car loan interest rate variations helps you negotiate better rates with lenders.

Example Calculations

Let's consider examples using different Perodua car loan calculators:

Perodua Axia Example:

For a Perodua Axia priced at RM 22,800 with a RM 3,000 down payment, financing RM 19,800 at 3.5% annual interest rate over 84 months (7 years), your monthly payment would be approximately RM 280. Over the loan term, you'd pay about RM 3,720 in interest, for a total repayment of RM 23,520.

Perodua Myvi Example:

For a Perodua Myvi priced at RM 42,800 with a RM 8,000 down payment, financing RM 34,800 at 3.5% annual interest rate over 84 months, your monthly payment would be approximately RM 490. Over the loan term, you'd pay about RM 6,360 in interest, for a total repayment of RM 41,160.

Perodua Ativa with Insurance Example:

For a Perodua Ativa priced at RM 62,300 with a RM 12,000 down payment and RM 2,000 annual insurance included in the loan, financing RM 52,300 at 3.5% annual interest rate over 84 months, your monthly payment would be approximately RM 750. Over the loan term, you'd pay about RM 10,700 in interest, for a total repayment of RM 63,000.

Per 1000 Calculator Example:

Using the car loan calculator per 1000, if you borrow RM 30,000 (30K) at 3.5% interest over 84 months, your monthly payment per 1000 MYR would be approximately RM 14.50. This means for RM 30,000, your monthly payment would be RM 435. This feature makes it easy to estimate payments for any loan amount.

Factors That Affect Your Perodua Car Loan

Credit Score: Your credit score (CCRIS report) significantly impacts the interest rate you'll receive. Higher scores typically result in lower rates, affecting calculations whether you're using a Perodua Bezza car loan calculator or Perodua Ativa car loan calculator.
Loan Amount: The vehicle price and your down payment determine your loan amount. Higher-priced models like the Ativa require larger loans, while the Axia requires smaller financing.
Loan Term: Longer terms (84 months) mean lower monthly payments but higher total interest costs. Shorter terms (36-60 months) have higher monthly payments but lower total costs.
Down Payment: A larger down payment reduces your loan amount and may qualify you for better interest rates. This is particularly important for higher-priced models.
Insurance: Including insurance in your loan increases the total financed amount and monthly payment, but provides convenience and ensures coverage. The Perodua car loan calculator with insurance helps you evaluate this option.
Region: While interest rates are generally consistent across Malaysia, some banks may offer different terms or promotions in specific regions like Sabah or Sarawak.
Bank: Different Malaysian banks offer varying rates and terms. Comparing options helps you find the best deal for your Perodua vehicle financing.

How to Use a Car Loan Calculator Perodua

Select your preferred calculator tab: Standard Calculator, Per 1000 Calculator, Interest Calculator, or Payoff Calculator.
For Standard Calculator: Select your Perodua model (Myvi, Bezza, Axia, or Ativa) and model year (2025).
Enter or adjust the car price (default prices are provided based on your selections).
Input your down payment amount in MYR.
Enter the annual interest rate offered by your bank (typical rates range from 2.5% to 4.5%).
Select your preferred loan term in months (common terms: 36, 48, 60, 72, 84 months).
Optionally, include insurance in your loan calculation and enter the annual insurance amount.
For Per 1000 Calculator: Enter loan amount in thousands and see monthly payment per 1000 MYR.
For Interest Calculator: Enter loan details to see total interest you'll pay.
For Payoff Calculator: Enter loan amount, interest rate, and monthly payment to see how long it takes to pay off.
Review your monthly payment, total interest, and total repayment amount.
Export your payment schedule to Excel if needed.
Compare different scenarios by adjusting inputs to find the best option for your situation.

Tips for Using Car Loan Calculator Perodua Effectively

Use current interest rates from Malaysian banks when possible. Rates can change, so check with banks for their latest Perodua financing offers.
Consider all costs, not just the monthly payment. A lower monthly payment might mean a longer term and higher total interest.
Compare different Perodua models using their respective calculators. A Perodua Axia car loan calculator might show more affordable payments than a Perodua Ativa car loan calculator, helping you choose the right model for your budget.
Use the insurance feature to compare scenarios with and without insurance included in the loan. This helps you decide whether bundling insurance is cost-effective.
Use the Per 1000 calculator for quick estimates when comparing different loan amounts. This feature makes it easy to understand how much you'll pay per thousand ringgit borrowed.
Use the interest calculator to understand the true cost of borrowing. This helps you make informed decisions about loan terms and interest rates.
Use the payoff calculator to plan your repayment strategy. See how different monthly payment amounts affect your payoff timeline.
Use the down payment feature to see how different down payment amounts affect your loan. Larger down payments can significantly reduce your monthly payment and total interest.
Export your payment schedule to Excel for detailed analysis and record-keeping.
Consider your debt service ratio (DSR) when calculating loan affordability. Most Malaysian banks prefer a DSR below 70%.
Factor in additional costs like road tax and maintenance when planning your budget, not just the loan payment.

Conclusion

A car loan calculator Perodua is an essential tool for anyone considering purchasing a Perodua vehicle in Malaysia. Whether you're using a Perodua Myvi car loan calculator, Perodua Bezza car loan calculator, Perodua Axia car loan calculator, Perodua Ativa car loan calculator, or exploring options with insurance using the Perodua car loan calculator with insurance, these calculators help you make informed financial decisions.

By understanding your monthly payments, total interest costs, and repayment schedules for different Perodua models, you can choose the financing option that best fits your financial situation. The ability to compare models, include insurance options, use specialized calculators like the car loan calculator per 1000, calculate total interest with the interest calculator, plan payoff timelines with the payoff calculator, and export to Excel makes car loan calculator Perodua invaluable for smart vehicle purchasing decisions across Malaysia, including Sabah and Sarawak.

Before committing to any Perodua vehicle purchase, take the time to use the appropriate calculator—whether it's a Perodua car loan calculator 2025, Perodua car loan calculator with insurance, car loan calculator Malaysia Perodua, or any other model-specific calculator. This simple step can help you save thousands of ringgit in interest and find a financing option that works best for your budget and financial goals, ensuring you can enjoy your new Perodua vehicle with confidence and financial peace of mind.