How much are monthly repayments on a new Volkswagen T-Roc?

The Volkswagen T-Roc was welcomed into South Africa with open arms, and our readers can't seem to get enough of this stylish, Golf-based coupé-SUV. Do you think you may be able to afford one? It depends on a number of factors, but we've taken a few into consideration and played around with our online car finance calculator to bring you some answers.

Ané Albertse

2 Aug 2023 · 17:34Buying a Car2 min read

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Let's take a look at the local VW T-Roc model line-up first (these are base prices, without any extras added):

VW T-Roc 1.4TSI 110kW Design: R 596 200
VW T-Roc 2.0TSI 140kW 4Motion Design: R 663 300
VW T-Roc 2.0TSI 140kW 4Motion R-Line: R 698 600

Read our T-Roc 1.4TSI 110kW Design Review here!

And now, let's take you to our AutoTrader Car Finance Calculator here.

As you can see, the calculator allows you to choose specific options from the drop-down menu; are you putting a deposit down, or trading in? Across how many months would you like to pay your new T-Roc off? With our current interest rate being quite low, now is a good time to buy a car. And also bear in mind that a lightly-used T-Roc (such a demo model, for example) will be considerably cheaper to buy than a brand-new out-of-the-box model.

Let's get started!

For the purpose of this example we are using the entry-level T-Roc 1.4TSI 110kW Design, priced at R 596 200.

With no deposit, no residual, 13.75% interest and a 72-month repayment period, this T-Roc is going to cost you a jaw-clenching, molar-grinding R12 205 a month. The interest amount then becomes a staggering R282 594 and the total instalment amount R 878 794. Ouch!

But, let's say you're trading in your VW Golf (or any car) with a book value of about R200 000 (or you're putting a deposit down of the same amount). Immediately your monthly payment amount for the new T-Roc comes down. Let's also opt to pay it off over a slightly more sensible 60-month period. Your monthly repayment will now be an easier-to-come-by R9 168 . Total interest paid is R153 857 and the total estimated repayment amount R550 057.

We invite you to head over to our Car Finance Calculator and play around with a few options. Buying used? Watch the 2021 T-Roc video Review here.

VW T-Roc vs Mini Cooper Countryman vs. Audi Q2

Search AutoTrader for new and used T-Rocs here!

Written by Ané Albertse

Ané was bitten by the motoring bug at a very young age. Her mom recalls her sitting in her stroller as a 3-year old, naming every car that came past. She was creating content for various publications within Media24 when AutoTrader nabbed her for good, and is one of the longest-standing members of the AutoTrader team. She prefers dirt roads to tar and SUVs/bakkies to sports cars, but her greatest passion is helping people find the perfect car for their budget, lifestyle, and personality.Read more