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.
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