Free tool
Car finance calculator
Two ways round the same question. Start from a car and see the monthly payment. Or start from your monthly budget and see which cars it reaches.
Estimate a repayment
Calculated at 16% a year, a representative rate for car lending in Kigali. It is the same rate behind the monthly figure on every listing card.
Your numbers
The asking price on the listing.
Banks in Kigali typically want 20% down. Up to 90%.
Estimated repayment
Enter a car price to see the monthly payment, the deposit and the total cost of the loan.
Before you take it to a bank
Three things that will change this number
Sawa Cars does not lend and takes no commission from any lender. This tool exists so you walk into the bank knowing roughly what to expect.
Your rate is personal
16% a year is a market reference point, not a quote. Banks price on your income, your employment and your history with them, and the rate they offer may sit either side of it.
Fees are not in here
Arrangement fees, valuation fees and the comprehensive insurance most lenders require are charged separately. They usually add to the monthly figure rather than the price.
A longer term costs more
Stretching the same loan over more months lowers the payment and raises the total interest. Compare the "total you pay" line, not just the monthly one.
Finance is arranged outside Sawa Cars
This calculator is informational. Confirm any loan directly with the bank and agree the payment recipient, ownership transfer, delivery and written sale terms directly with the seller. Sawa Cars does not receive the funds or guarantee the transaction.