Finance calculator

Flat-rate Car Loan Calculator

Estimate Thai-style flat-rate car finance.

Last reviewed: 7 September 2026

Enter details

Calculation result
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Calculated in your browser. Values are not sent to ThaiUtility.

Quick answer

Enter price, down payment, flat rate, and years.

Formula

Interest = financed amount × annual rate × years; monthly = total ÷ months.

Worked example

800,000 price, 160,000 down, 2.5%, 5 years

Financed amount is 640,000 baht before interest.

Choose this tool when

Use this page for a flat-rate vehicle quote. It does not convert that rate into an effective rate or reproduce a lender contract.

Assumptions and limitations

  • Flat rate is not an effective reducing-balance rate.
  • Check fees and insurance.

Official sources

Last reviewed: 7 September 2026

Review again when the responsible authority changes the rule, rate, or effective period, or when this calculator's assumptions change.

Check the current Thai text and effective dates before relying on a result for tax, billing, employment, or legal purposes.