. PERSONAL & AUTO LOANS                      

  Personal & Auto Loans Information

What you should know about your loan options.

  Personal & Auto Loans Payment Calculator

Calculate your payments for a personal or auto loan.

  Auto Lease vs. Buy Calculator

Calculate whether to lease or buy your new vehicle.

HOW TO USE THESE CALCULATORS*                                                            
Complete each row that applies to your situation;
Click the 'calculate' button below when you've finished your entries for automatic calculation;
Make as many changes as you like. Print a copy for a permanent record (use LANDSCAPE format vs. Portrait);
For questions or guidance, click on the e-mail button above to reach a Representative.
PERSONAL & AUTO LOANS PAYMENT CALCULATOR*                                       
 
 1. Loan Amount $ (e.g. 20000)
 2. Interest rate % (e.g. 8.0)
 3. Repayment term (years)
 4. Select Payment Frequency:
  Monthly
  Bi-Weekly
  Weekly
 
              
               Tell me why I should save
 
            Payment Amount   
             Total Loan Cost   
AUTO LEASE VS. BUY CALCULATOR*                                                               
 
     Common Details whether Buying or Leasing
 1. Manufacturer's Suggested Retail Price (e.g. 25000)     
 2. Actual Purchase Price (e.g. 22500)     
 3. Cash down payment (e.g. 5000)     
 4. Value of Trade-in (e.g. 6000)     
 5. GST+PST  or HST % (e.g. 12.0)     
 6. Investment rate %     
     Loan Comparison        Lease Comparison
 7. Interest rate on loan %  11. Interest rate on lease %
 8. Other fees - loan  12. Other fees - lease
 9. Loan Duration (Years)  13. Lease Duration (Years)
10. Annual auto depreciation %  14. Residual Value of Auto (%)
     15. Lease security deposit
                                 Tell me why I should save
  Monthly Loan Payment Monthly Lease Payment
Depreciation fee :  
Finance fee :  
Monthly Payment :   Monthly Payment :  
Down payment + loan payments :   Nonrefundable up-front costs :  
Lost interest :   Total lease payments :  
Outstanding loan balance :   Lost interest :  
Depreciated value of auto :      
Net Cost of Buying :   Net Cost of Lease :  
       
The Net Cost of Buying is based on the same duration as that of the lease (e.g. 2, 3 or 4 years) though you may own the car for much longer than the lease timeframe.
 

 For Savings program options, go to:  

* For general illustrative purposes only. We cannot guarantee accuracy and/or applicability to your situation. Contact your Advisor directly for exact amounts, quotes or advice.

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