Car loan calculator NZ

Enter the car's price to see the weekly cost, the total, and what a deposit takes off.

$155 a week

$40,358 paid back in total

Includes a $249 set-up fee, $10 PPSR and $0.50 a week account fee.

Car price

Deposit

UDC, AA Money and Marac lend up to the full price if you're approved.

Interest rate (% p.a.)

Pick the one closest to your credit history. Excellent is Marac's lowest rate, Good is the top of UDC Finance's range, and Fair and Defaults on file are MTF Finance's examples. All are fixed.

Loan term

years

Most car lenders lend for up to 7 years.

How often

WeeklyFortnightlyMonthly

Set-up fee

UDC Finance's fee, added to the loan. Fees run $0 to $550.

Balloon

A lump sum you pay in one go with the last repayment. It lowers each repayment and raises the total.

Your take-home pay each week (optional)

What lands in your bank account each week after tax. It stays on your device.

$9,969 interest, with the fees added to the loan.

With $5,000 down: $130 a week, $26 less, and $1,647 less interest.

Find out what my car loan rate would be

Estimate only, not a quote or an approval. Your rate depends on your credit and the lender. Rates checked 21 Oct 2026.

What does a deposit or a balloon change?

Both cut the weekly cost to $130. The deposit saves you $1,647 in interest, and the balloon costs you $2,413 more.

Option on a $30,000 car	Each week	Paid back in total
No deposit	$155	$40,358
$5,000 deposit	$130	$33,711 (plus your $5,000)
$9,000 balloon at the end	$130	$42,771

$30,000 over 5 years at 11.95% p.a. fixed, weekly, with UDC Finance's $249 set-up fee, $10 PPSR and $0.50 a week account fee. Source: UDC Finance, checked 21 Oct 2026.

See which lenders would consider me

Should I arrange finance before the car yard?

Yes, if you can. Turn up with your own approval and you have a rate and a total to measure the dealer's offer against.

On a $30,000 car, 11.95% costs $155 a week. A dealer quote at 14.95% is $166 a week, and $2,500 of add-ons rolled into it takes that to $180 a week and $6,331 more in total.

The 14.95% dealer rate and the add-ons are examples, not lender offers.

Questions about car loans

How much would a $30,000 car loan cost a week?

$155 a week over 5 years at 11.95% p.a. fixed with UDC Finance's fees, $40,358 in total. A lower rate brings both down.

What rate should I expect on a car loan?

Advertised car loan rates run from 7.89% p.a. at Harmoney to 29.99% p.a. at Gem by Latitude across the 13 lenders Compare Loans checked on 21 Oct 2026. Where you land depends on your credit history and whether the loan is secured on the car.

Is a balloon payment a good idea?

It lowers each repayment but costs more overall: a $9,000 balloon on $30,000 saves $25 a week and adds $2,413 to the total. You need the $9,000 ready at the end, or you refinance it.

What fees come with a car loan?

A set-up fee of $0 to $550, a PPSR fee of about $7 to $10 on a secured loan, and an account fee of $0 to $8 a month at some lenders (checked 21 Oct 2026). The calculator starts with UDC Finance's $249 set-up fee, $10 PPSR and $0.50 a week account fee.

Can a licensed broker check my car loan?

Two short steps, then one licensed broker checks which lenders would consider you for this car. Nothing reaches your credit file until you apply.

This is not a loan application.