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Finance tools

Repayment calculator

See an indicative weekly, fortnightly or monthly repayment in seconds. Adjust the loan amount, rate, term and deposit to find a figure that fits your budget, then start a real pre-approval.

Estimate your repayments

Move the sliders to see an indicative repayment. Adjust the rate to match a quote.

$5,000$150,000
$0Optional
6%Indicative30%
5 years
1 yr7 yrs
Repayment frequency

Estimated repayment

$0.00per week

Amount financed
$25,000
Term
5 years
Interest rate
13.95% p.a.
Number of payments
260
Total interest
$0
Total to repay
$0
Start your pre-approval

Like the look of that? Start your request for a personalised quote in 60 seconds.

This calculator gives an indicative estimate only. It is not an offer, a quote, or a guarantee of finance. Your actual interest rate, fees and repayments depend on the lender, the vehicle, the loan term and your individual circumstances, and are subject to credit approval and responsible lending checks. The default rate shown is indicative and rates vary widely by lender and credit profile. Talk to us for a personalised quote.

The real number

What actually sets your rate

The calculator is a guide. Your real rate comes down to a handful of things, and our job is to match your situation to the lender that prices it best.

Your credit profile

A clean file usually means a sharper rate. We also work with specialist lenders for thin-file and past-credit situations.

The loan term

A longer term lowers each payment but adds interest over the life of the loan. A shorter term does the opposite.

A deposit or trade-in

Putting money down, or trading a vehicle in, reduces the amount you finance and can improve your rate.

The vehicle

Age, type and value all matter. Newer vehicles and lower-risk categories often attract better rates.

Calculator questions

Is the number shown my actual repayment? +
No. It is an indicative estimate based on the figures you enter. Your real rate, fees and repayments depend on the lender, the vehicle, the term and your individual circumstances, and are confirmed only after a full assessment.
What interest rate should I enter? +
If you have a quote, enter that rate. Otherwise the default is just an indicative starting point. NZ vehicle finance rates vary widely by lender and credit profile, so the best way to get your real rate is to start a quick pre-approval.
Does using the calculator affect my credit score? +
Not at all. The calculator runs entirely in your browser and sends us nothing. Starting a pre-approval is also an initial enquiry with no impact on your credit score.
What loan term should I choose? +
A longer term lowers each repayment but increases the total interest you pay. A shorter term costs more per week but less overall. Try a few combinations to find a repayment that fits your budget.

Like the numbers? Get the real ones.

Start your pre-approval in 60 seconds. An initial enquiry with no impact on your credit score, and we come back within one business day with your likely options.

Start your pre-approval