Interest rates and additional insurance products play a large part in what the weekly payments can range from. Many people advertise weekly repayments that do not factor in any additional products like Insurance, Mechanical Warranties, Income Protection, GAP etc. Most customers opt for either Income Protection or a Mechanical Warranty and Comprehensive Insurance is compulsory when there is finance owing on a vehicle, GAP is strongly advised although it is optional. All of the aforementioned insurances and the interest rate plus term of loan, will make car payments vary. Our advice is that its best that we work on your budget first. Depending on your income level and existing house hold expenditure, we work with you to pre- approve a loan that you can afford and affordability is something we take seriously. As a guide only, Average car payments for a low income earner of $450 – $550 per week will be between $65 – $90 excluding insurances. The factors that determine the level will be weather you are single or if you have a family. The more mouths your income has to feed, the lower the repayments will have to be and generally this will mean a smaller loan size.