In your garage2026 Toyota RAV4
GXL Hybrid AWD
Est. value
$42,800
Est. balance
$34,200
Est. equity
$8,600
BASERATE GARAGE
See your vehicle value and finance position in one place
My Garage is the live BaseRate ownership workspace for estimated vehicle value, projected loan balance, indicative equity and your next car decision.
Direct answer
My Garage is live inside the secure BaseRate customer portal. It brings available vehicle details, an estimated vehicle value and a projected loan-balance-versus-depreciation view together so you can understand your indicative equity position before deciding whether to keep, refinance, sell or replace the car.
Available now
My Garage is live in the BaseRate customer portal
Open My Garage and continue with the email linked to your BaseRate profile. The information shown depends on the vehicle and finance data available in your account. Values, balances and equity figures are estimates—not guaranteed sale offers or lender payout quotes.
Estimated vehicle value
See an estimated current value for an available vehicle in your Garage and use it as a starting point—not a guaranteed sale price.
Loan and depreciation view
Compare the projected loan balance with estimated vehicle depreciation to see how the relationship may change over time.
Indicative equity position
Understand the difference between estimated vehicle value and the displayed finance balance before exploring refinance, sale or replacement pathways.
The connected car journey
One intelligent account. Every car decision connected.
Research the exact variant, structure finance, follow settlement, understand your equity and choose what comes next.
Exact variantsSmart matchingLive progressVehicle valueLoan positionSelling pathways
My Garage
Understand the car and the loan as one position
Estimated vehicle value, projected loan balance and indicative equity belong together. The relationship matters more than any single number in isolation.
In your garageLoan balance vs depreciation
Your estimated equity position over time
Estimated vehicle value
Estimated loan balance
Example figures only. Vehicle values and projected loan balances change over time. A current lender payout must be confirmed before a sale or refinance.
Interface examples demonstrate the BaseRate journey. Vehicle values, finance outcomes, status and eligibility vary by customer and financier assessment.
On this page
What you can do in My Garage
My Garage connects the car you own with the finance position attached to it. Instead of treating vehicle value and loan balance as separate numbers, it shows how they interact and what that could mean for your next decision.
- Review available vehicle details linked to your BaseRate profile.
- See an estimated vehicle value rather than relying only on the original purchase price.
- Compare estimated depreciation with the projected loan balance over time.
- View an indicative positive or negative equity position using the figures displayed.
- Continue into relevant keep, refinance, sell or replacement-car pathways.
How to read the Garage numbers
The estimated vehicle value answers what the car may be worth under current market assumptions. The projected loan balance estimates how the finance may reduce if repayments continue as modelled. The gap between those figures is indicative equity.
Positive equity means the estimated vehicle value is higher than the displayed finance balance. Negative equity means the displayed balance is higher than the estimated value. Neither result confirms the amount available from a buyer or the amount required by the lender to close the loan.
Swipe horizontally to view every column →
| Garage figure | What it helps explain | What to confirm before acting |
|---|---|---|
| Estimated vehicle value | A current indication of what the vehicle may be worth based on the information available. | Obtain an actual purchase offer or market appraisal. Condition, kilometres, location and sales channel can change the result. |
| Projected loan balance | How the outstanding finance may reduce over the remaining loan period. | Request a current payout letter from the lender. A payout can include accrued interest, fees or timing adjustments. |
| Indicative equity | The estimated difference between vehicle value and the displayed finance balance. | Recalculate using an actual sale offer and current lender payout before selling, trading or refinancing. |
| Value and balance graph | How estimated depreciation and loan reduction may interact over time. | Treat the graph as a projection. Market values and repayment outcomes do not follow a guaranteed path. |
Use Garage to prepare the next decision
Garage helps you recognise the question to investigate next. You may decide to keep the car, obtain a lender payout, review refinancing, start a vehicle appraisal or compare the cost of a replacement car.
- Keep the car: compare remaining repayments with expected running and ownership costs.
- Refinance: compare the remaining cost of the current loan with the complete cost of a replacement loan, including fees and any term extension.
- Sell or trade: confirm both an actual buyer offer and the lender payout before relying on an equity figure.
- Replace the car: carry the confirmed equity or shortfall into the next vehicle budget instead of treating the trade-in price as a deposit by itself.
What My Garage does not guarantee
My Garage is a decision-support tool. An estimated value is not a binding offer to purchase the car, a displayed loan balance is not necessarily the lender payout figure, and indicative equity is not cash available until the sale and finance discharge amounts are confirmed.
Before selling, trading or refinancing, confirm the vehicle price with the buyer or dealer and request a current payout letter directly from the existing lender.
Action plan
What to do next
- 1
Open your secure account
Continue with the email linked to your BaseRate profile to access the vehicles and information available in My Garage.
- 2
Review the position
Read the estimated value, projected balance, equity figure and graph together rather than relying on one number.
- 3
Verify before acting
Confirm the current lender payout and obtain an actual vehicle offer before committing to a sale, trade or refinance.
Common questions
Frequently asked questions
Can I use My Garage now?+
Yes. My Garage is available through the secure BaseRate customer portal. Continue with the email linked to your BaseRate profile. The vehicles and information shown depend on the data available in your account.
Is the vehicle value in My Garage guaranteed?+
No. It is an estimate, not a guaranteed purchase offer. Vehicle condition, kilometres, location, timing, options and whether you sell privately, trade in or use a buying service can change the actual price.
Is the displayed loan balance my lender payout figure?+
Not necessarily. A lender payout is calculated for a specific date and may include accrued interest, fees or other adjustments. Request a current payout letter from the lender before selling, trading or refinancing.
Does My Garage automatically refinance my loan?+
No. My Garage can help identify a reason to review the loan, but refinancing requires your consent, a current application, verification and financier assessment. Compare total remaining cost—not only the new repayment.
Reviewed by Scott Iriks, Founder of BaseRate · Last reviewed 8 August 2026.
General information only. A financier determines actual eligibility, rates, fees, terms and approval after assessment.
Continue the decision