Loan amount
The amount borrowed has the biggest impact on repayments. A deposit or trade-in can reduce the amount financed.
Car loan calculator NZ.
Estimate weekly, fortnightly, and monthly vehicle finance repayments before you apply. Adjust the rate, deposit, and term to compare scenarios before lender checks.
Adjust your details
$35,000
$5,000$100,000
$0
$0$35,000
4 Years
1 Year7 Years
11.95%
7.95%15.00%
Estimated Repayment
$212
per week over 4 years
Fortnightly
$424
Monthly
$921
Loan Amount
$35,000
Total Interest
$9,068
Total Repayable
$44,068
Start ApplicationOr call 0800 002 602
Estimates exclude lender fees and other loan costs. They are not a quote, approval, or offer of finance.
Repayment estimates
Work out what may fit before you start.
A calculator is useful for checking whether a repayment range and total repayable amount feel realistic, but it cannot confirm the final rate, lender fees, or approval outcome. Udrive can help compare options once you are ready to apply.
Weekly
Useful for wage-based budgets.
Fortnightly
Common for regular pay cycles.
Monthly
Helpful for household planning.
Estimates help you compare scenarios before a lender reviews the application.
What affects repayments
Four things to check before comparing loan options.
The calculator gives a simple estimate. The final repayment depends on the full loan structure and the lender's assessment.
Loan term
A longer term can lower regular repayments, but it may increase the total interest paid over the life of the loan.
Interest rate and fees
Final rates and lender fees depend on the lender, credit profile, affordability, vehicle, and loan structure.
Vehicle and documents
The lender may need vehicle details, proof of income, proof of address, and ID before confirming finance.
Estimates are not lender approval.
Udrive does not lend money directly. Any finance is provided by a lender and remains subject to responsible lending checks.
Calculator FAQs
Before you use the estimate.
The calculator is designed for planning. The lender confirms the actual repayment once an application is assessed.
No. The calculator is a repayment estimate only. It is not an approval, quote, or offer of finance. Any finance is subject to lender criteria, affordability, suitability, and final loan documents.
The calculator defaults to an indicative rate of 11.95% p.a. for estimate purposes, but you can adjust the rate to compare scenarios. Your actual rate may be higher or lower depending on the lender and your application.
Yes. Once the estimate looks workable, you can start an online application. Udrive can then review your details and compare lender options that may fit your situation.
Yes, it can be used as a general vehicle finance guide. Final repayments depend on the asset, lender, term, rate, fees, and your application details.
Ready to compare options?
Start with the vehicle type and amount you have in mind.
Real Google reviews
Don't just take
our word for it.
Real Kiwis, real reviews. Here's what Linda, Jaime, Antonio and Tony have been up to lately.
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
A
Aaliah JamesGoogle Review
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
A
Aston OliveGoogle Review
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
J
Jorey MesueloGoogle Review
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
M
Marina HemaraGoogle Review
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
T
Treena GuillardGoogle Review
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
A
Aaliah JamesGoogle Review
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
A
Aston OliveGoogle Review
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
J
Jorey MesueloGoogle Review
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
A
Aaliah JamesGoogle Review
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
A
Aston OliveGoogle Review
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
J
Jorey MesueloGoogle Review
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
M
Marina HemaraGoogle Review
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
T
Treena GuillardGoogle Review
“Working with Jaime and the team was so easy. They understood what we needed and worked together to find the best finance option for us. Thank you guys.”
A
Ammu Ambili RajGoogle Review
“Couldn't be happier with our Udrive experience. Antonio was amazing with finalising everything and went above and beyond to make sure we could drive off with our new car on the day. Absolutely recommend!”
S
Sasha RichardsonGoogle Review
“Linda was absolutely fantastic and extremely helpful. The whole process was very easy thanks to her. Thanks Linda — you made my first finance experience easy.”
D
Dorothy MannGoogle Review
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
P
Paul TeaonuiGoogle Review
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
M
Marina HemaraGoogle Review
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
T
Treena GuillardGoogle Review
“Working with Jaime and the team was so easy. They understood what we needed and worked together to find the best finance option for us. Thank you guys.”
A
Ammu Ambili RajGoogle Review
“Couldn't be happier with our Udrive experience. Antonio was amazing with finalising everything and went above and beyond to make sure we could drive off with our new car on the day. Absolutely recommend!”
S
Sasha RichardsonGoogle Review
“Linda was absolutely fantastic and extremely helpful. The whole process was very easy thanks to her. Thanks Linda — you made my first finance experience easy.”
D
Dorothy MannGoogle Review
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
P
Paul TeaonuiGoogle Review
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