Yes. The calculator is a general device, set up to calculate repayments on the values as entered. We have the interest rate at our best current rate for vehicle loans. The generic nature of the device is that it provides a useful resource to compare possible repayments on a number of different cars you are considering, to get a rough ballpark on finance or to assist in planning any refinancing. To calculate the estimated repayments to refinance an existing car loan or the balloon or residual, simply follow the same steps. Enter the full loan amount, your preferred loan term and the value of any balloon/residual you choose to include. The calculate configures the repayments and shows a rough estimate on how much would still be owing. When considering refinancing, keep in mind any break fees which may apply to finalising your existing loan early which will be in addition to fees and charges on establishing the new finance contract.