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Estimate your monthly repayments for a Japanese car loan (mycar loan) in seconds.
💡 Tip
A larger down payment lowers repayment and interest. Confirm your actual terms with the lender.
J-FLEC loan glossary · J-FLEC learning materials · repayment simulator — Reviewed 2026-08-07. The lender’s written terms control.
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This calculator estimates equal-payment repayment from the annual rate and term you enter. Actual rates, fees, and eligibility vary by product and borrower; check lender documentation and J-FLEC learning resources.
A larger entered down payment or trade-in reduces the financed principal, monthly estimate, and total-interest estimate. The calculator does not predict approval.
With the same principal and rate assumption, a longer term generally lowers the scheduled monthly amount but can increase total interest. Confirm available terms with the lender.
The regular payment uses fixed-payment amortization over the entered term. An optional bonus-month amount is applied to principal in its scheduled month to show a possible earlier payoff.
The loan amount usually covers only the vehicle price. You should budget separately for automobile tax (jidousha-zei), environmental performance tax, weight tax, compulsory insurance (jibaiseki), and the garage certificate (shako shoumei).
If you have spare funds, early repayment (kuriage hensai) can reduce remaining interest costs. Some dealer loan products may charge an early-repayment fee, so check your contract terms first.
the Japanese car-loan calculation explains its inputs, assumptions, and calculation scope.
It applies monthly amortization at the entered annual rate, including scheduled bonus payments to the entered values.
¥2,000,000 over 60 months is estimated from the entered annual rate.