Car Finance Calculator
See what your repayments could look like before you apply. Adjust the loan amount, deposit, and term below to find a plan that fits your budget, with no obligation and no credit check.
Finance Calculator
Repayment estimates include an $800 establishment fee. Interest rates from 10.69% p.a. depending on your circumstances. Lending criteria, terms and conditions apply.
Why Use Our Finance Calculator
Real Lender Rates
Rates reflect what our lending partners are currently offering, not a fixed figure that can go out of date.
No Obligation
Get an instant estimate with no credit check and no impact on your credit score.
Two Ways to Calculate
Start from the loan amount you want, or the repayment you can afford, whichever makes more sense for you.
Instant Vehicle Matches
Jump straight from your estimate to vehicles in our range that fit your budget.
What's Included in Your Estimate
The figure the calculator shows includes the standard $800 establishment fee charged by our lending partners. It doesn't include optional extras like insurance or mechanical warranty, since those are added when we put together your actual quote.
Your real interest rate and approved amount are set by the lender once you apply, UDC Finance, Finance Now, Marac Car Loans, or MTF, based on your income, expenses, and credit history under New Zealand's responsible lending requirements. The calculator gives you a realistic starting point, not a guaranteed offer.
Calculator FAQs
-
No. It's an estimate based on the loan amount, deposit, interest rate, and term you enter. Your actual rate and repayments are confirmed by the lender once you apply.
-
It defaults to a mid-range rate, but you can adjust the slider to reflect current lending rates. Your own rate depends on your circumstances and which lender approves you.
-
No. Using the calculator doesn't involve a credit check of any kind. You can adjust the numbers as many times as you like before you decide to apply.
-
Yes. Enter the value of your trade-in, or any cash deposit, in the deposit field and the calculator recalculates your repayments based on the reduced loan amount.
-
The estimate includes the standard $800 establishment fee. It doesn't include optional extras like insurance or warranty, which can be added to your actual quote when you apply.
-
You can apply online in a few minutes, or browse vehicles within your estimated budget using the button below the calculator. Either way, there's no obligation until you're ready.