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Car Loan vs Cash — Nigeria

Finance the car or pay cash and invest?

In Nigeria, average net monthly pay is about $200 and a one-bedroom rent is about $250. Petrol is $0.65/L and electricity $0.1/kWh.

1Set the inputs2Read the result3Sanity-check

InputsSet your numbers

$25,000
$5,000
18%
5
7%
Live result
Cheaper optionCashcheaper route
Interest outweighs the return — pay cash.
$508 Monthly payment
$10,472 Total interest
$8,051 Investment gain
$2,421 Net difference

Sliders are pre-filled with Nigeria's approximate data — change anything.

Common questions

ঋণ নেব নাকি নগদ?

যদি ঋণের সুদের চেয়ে বিনিয়োগের রিটার্ন বেশি হয়, ঋণ নিয়ে নগদ বিনিয়োগ করা ভালো।

সুদ কত?

মোট কিস্তি বাদ মূলে যা বেশি দেন, সেটাই সুদ।

ঝুঁকি?

বিনিয়োগের রিটার্ন নিশ্চিত নয় — ঋণ সবসময় পরিশোধ করতে হবে।

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