Compare balloon settings side‑by‑side
Enter your scenario once and see how 0%, 10%, 20% and 30% balloons compare on monthly repayment and total interest.
$
%
| Balloon | Balloon amount | Monthly repayment | Total instalments | Total interest | Total cost (incl. balloon) |
|---|---|---|---|---|---|
| 0% | $0 | ||||
| 10% | |||||
| 20% | |||||
| 30% |
How to read this
- Higher balloon = lower monthly repayment, higher total interest. Because more principal stays outstanding longer, you pay more interest overall.
- The balloon doesn't disappear. It must be paid in cash, refinanced, or cleared by selling/trading the asset at end of term.
- End‑of‑term risk. A 30% balloon on a depreciated asset can leave you owing more than the asset is worth, especially on fast‑depreciating assets.
- Lender caps. Not all balloons are available on all assets. Typical caps: 30% new utes/vans, 25% trucks, 20% machinery, lower for older assets.
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Get tailored balloon advice
Balloon settings have real consequences — both for monthly cash flow and end-of-term position. If you'd like to discuss which balloon makes sense for your specific situation, we can introduce you to an accredited broker partner.