Estimate monthly repayments on vehicle, truck, equipment or business finance. Rates from 7–13% — adjust the numbers to suit your situation. No credit check, no obligation.
Figures are estimates only. Actual interest rates, fees and repayments vary based on your credit profile, lender approval and loan structure. No credit check is performed when using this calculator.
fundr's car finance calculator gives you an instant estimate of monthly repayments on any vehicle, truck, equipment or business loan in New Zealand. Enter your loan amount, choose your term, and adjust the interest rate — repayments update in real time with no credit check required.
fundr clients typically see interest rates between 7% and 13%, depending on credit profile, asset type, and loan term. Use the rate table below to understand how your term and rate affect total cost.
Estimated monthly repayments across common rates and terms
| Term | 7.9% p.a. | 9% p.a. | 11% p.a. | 13% p.a. |
|---|---|---|---|---|
| 24 months | $1,814 | $1,830 | $1,869 | $1,908 |
| 36 months | $1,254 | $1,271 | $1,308 | $1,346 |
| 48 months | $975 | $995 | $1,033 | $1,073 |
| 60 months | $810 | $830 | $870 | $912 |
| 72 months | $699 | $721 | $763 | $807 |
| 84 months | $622 | $646 | $690 | $736 |
Estimates only. Actual rates depend on credit profile, asset type and lender criteria. Use the calculator above to adjust for your exact scenario.
Pay more each month, but own the asset sooner and save significantly on total interest.
Lower monthly outgoings — useful when cashflow matters more than total cost.
Car loan interest rates in NZ typically range from 7% to 13% depending on your credit profile, the vehicle's age, loan term, and lender. fundr clients with strong credit histories often secure rates at the lower end of this range. New vehicles and shorter loan terms generally attract lower rates than older used vehicles on longer terms. Use the calculator above to model your specific scenario.
Enter your loan amount, estimated interest rate, and loan term into fundr's calculator above — your monthly repayment updates instantly. The calculator uses the standard PMT formula: P × r(1+r)^n / ((1+r)^n − 1), where P is the principal, r is the monthly rate, and n is the number of months. You can also use the rate table above for quick comparisons across common scenarios.
Most lenders in NZ will finance between $5,000 and $200,000+ for vehicle finance, depending on the vehicle's value and your financial profile. The loan amount is typically capped at the asset's market value. fundr arranges loans for cars, utes, trucks, and commercial vehicles across this full range.
It depends on your priorities. A 36-month loan means higher monthly payments but significantly less total interest — on a $40,000 loan at 9%, you'd pay roughly $1,271/month and about $5,750 in total interest. A 60-month loan reduces that to $830/month, but total interest grows to around $9,800. Choose 36 months if you can afford it; choose 60 months if cashflow is the priority.
Most applications through fundr receive a decision within 24 hours, and same-day approval is often possible. The process: submit your details → fundr presents your application to matched lenders → receive approval → sign documents. Full settlement (funds released) typically follows within one to two business days.
No deposit is required for many applications, particularly for borrowers with good credit profiles. However, a deposit of 10–20% can help you secure a lower interest rate, reduce monthly repayments, and improve approval chances if your credit history is limited. fundr can advise whether a deposit would benefit your situation.
Yes. fundr arranges finance for private vehicle sales in NZ, not just dealer purchases. You will need the vehicle's registration details, the seller's bank account for settlement, and a roadworthy inspection may be required by the lender. The loan is secured against the vehicle the same way as a dealer purchase.
fundr arranges finance for cars, utes, trucks, vans, motorcycles, trailers, and equipment. Both new and used vehicles are eligible, and both dealer and private purchases qualify. Business assets including machinery and commercial vehicles are also covered. There is no restriction on the age of the vehicle — older assets may attract slightly higher rates.