Estimate repayments, interest, fees, and total cost.
$
$
%
Loan term: 5 years
$
$
$
Estimated repayment
per month
Amount financed
$0
Number of payments
0
Total interest
$0
Total fees
$0
Balloon payment
$0
Total amount payable
$0
Buying a car is one thing and understanding the true cost is another. Our Autoria Car Finance Calculator helps you instantly estimate your weekly, fortnightly, or monthly repayments based on your loan amount, interest rate, deposit, and term. Instead of guessing, you can clearly see what a vehicle will actually cost you before committing. Unlike dealership-only calculators, Autoria is part of a nationwide automotive business directory, so you can not only calculate repayments but also discover trusted car dealers, lenders, and automotive services across New Zealand, all in one place. Simply enter your details and get an instant estimate. Adjust your inputs to compare scenarios and find a repayment plan that fits your budget.
A car finance calculator is an online tool that estimates your loan repayments based on inputs like loan amount, interest rate, deposit, and loan term.
The results are estimates only. Your actual repayments may vary depending on your credit score, lender fees, and loan structure.
You typically need:
These inputs are standard across most NZ calculators.
Yes. Most car finance calculators, including this one, allow you to view repayments in:
Car loan interest rates in New Zealand typically range between ~9% to 17%, depending on your credit profile and lender.
Yes. Simply enter $0 as your deposit to estimate repayments for no-deposit car finance.
No. This calculator focuses on loan repayments only. You should also budget for:
You can reduce repayments by:
Yes — this is one of the biggest advantages. Adjust inputs like interest rate or term to see how repayments change instantly.
The total cost includes:
A calculator helps you understand this beyond just the monthly repayment.
