Call us now at
Your quick quote request has been submitted!
A member of the team will be in touch shortly.
Easily calculate your car loan repayments with our car finance calculator in New Zealand. Simply enter your loan details to instantly view your estimated repayments, borrowing capacity, and interest costs. Whether you're planning to finance a car, motorbike, jet ski, or another vehicle, our car loan repayment calculator helps you confidently plan your budget. Get a clear picture of your monthly expenses and make informed decisions about your next vehicle. Ready to start? Try our vehicle finance calculator now!
WHAT ARE MY REPAYMENTS?
HOW MUCH CAN I BORROW?
PAYMENT FREQUENCY
OUR INTEREST RATES VARY BETWEEN 10.45% AND 23.00%.
12 MONTHS 84 MONTHS
PAYMENT FREQUENCY
OUR INTEREST RATES VARY BETWEEN 10.45% AND 23.00%.
12 MONTHS 84 MONTHS
*Our fixed interest rates vary between 10.45% and 23.00%, and the rates you receive will depend on your individual circumstances. There is a loan establishment fee starting at $510, a PPSR fee from $7.39, and a monthly administration fee from $2.17. Approval for financing is subject to Kiwi Car Loans' Terms and Conditions, lending criteria, and responsible lending standards.
OUR INTEREST RATES VARY BETWEEN 10.45% and 23.00%
OUR LOAN TERM VARIES BETWEEN 12 MONTHS AND 84 MONTHS
LOANS RANGE FROM $5,000 TO $250,000
LOANS RANGE FROM $5,000 TO $250,000
Thank you!
Your results are on the way to your inbox.
Key factors that affect your interest rates and payment
Credit Score
Your credit score is one of the most influential factors in determining your interest rate. A higher credit score tells lenders you are a reliable borrower, which always results in lower interest rates. A lower score, on the other hand, could lead to higher interest rates to mitigate the lender’s risk.
Loan Term Length
The length of your loan term can affect both your monthly payments and your interest costs. Generally, shorter loan terms result in higher monthly payments, but lower overall interest cost. Longer repayment terms come with lower monthly payments, but you will pay more interest overall.
Loan Amount
The amount you borrow will also impact your interest rates. Normally, larger loan amounts carry higher interest rates as they represent a higher risk for the lender! So, borrowing only what you need help can keep your interest costs manageable.
Debt-to-Income Ratio (DTI):
Lenders evaluate your debt-to-income ratio, which is the percentage of your monthly income that goes toward paying debts. A high DTI ratio may result in higher interest rates since lenders see you as a higher-risk borrower. Lowering your DTI before applying can help you get a better interest rate.
You can apply for finance with us if you fulfil these conditions:
Kiwi Car Loans is the home of great rate finance approvals. We have access to a variety of finance options, and we look to find you the best finance options.
Client satisfaction is our top priority, and out professional team will work 7 days a week to bring you the fast and best finance approvals to suit your requirements.
We work with multiple reputable lenders to bring you fast finance approvals to suit your requirements.
Our goal is to give each client the best finance rates, enabling them to enjoy fewer monthly payments.
We have a big team of multilingual finance rockstars who can speak multiple languages to support those awesome migrant workers and people from different backgrounds.
I highly suggest Kiwi Car Loan. Shwetha from kiwi car loan was wonderful to deal with. She was very patient and guided me efficiantly for getting the right loan.
Great Service and rates over Christmas and New year period. I would recommend to all!
Fantastic approach to work, nice person to do business with. Thank you Sobia
Laura was supportive, competend and so efficient and the process was easy
Amazing team and very helpful and efficient. I dealt with Tyler and he was the best. Totally recommend
This was a quick process. Found and purchased my dream car. Thank you so much.
Great the best would recommend you guys to anyone cheers for the help y’all appreciate!
This was great experience, great service and staff, would highly recommend them to anyone
Thank you for an easy fast experience. Special thank you to Maggie for all the personal help and endless questions from me.
Ben from kiwi car loans made the process quick, easy and was very professional. Thanks.
Generally, you can borrow from $5000 to $250,000. But the specific amount you can borrow depends on various factors like your credit history, expenses, income, etc. Our expert broker will help you evaluate your situation to determine the maximum amount you qualify for.
We offer competitive finance rates ranging from 10.45% to 23.00%, and the rates offered to you will be determined by your specific scenario.
Kiwi Car Loans is a Finance Broker, we are not the lender, our job is to source a lender to approve your application. For this service, we include a fee that is added to your approval amount and disclosed up front with the loan agreement.
YES. You can pay off your loan at any stage before the end of the term. Depending on the lender, the early prepayment fee will be different but always reasonable.
If you miss a payment or foresee being unable to make your monthly obligation, it is advisable to notify the lender right away and explain the situation. We are also pleased to communicate with the lender on your behalf when we can.
The information that you calculate from this calculator is intended for use by you as a guide only. It is not an offer and has no legal effect on any contracts entered into by you, 'the client'. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.
Should you apply for any Kiwi Car Loans product, we will make our calculations and we will not necessarily take your calculations into account. All interest rates displayed are guides only, repayments as a result of this simulation have no legal offering.
Kiwi Car Loans accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the car loan calculator.
Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees or charges that may apply to either the calculation of the loan amount or the monthly repayments.