Every major brand on New Zealand roads gets its own page with a calculator pre-filled to a typical price, popular models, and brand-specific FAQs. Click any brand to dig in.
Why brand matters for finance
Brand is the first thing most buyers decide on, and it shapes the rest of the finance conversation more than people realise. The typical price band of a brand sets your loan size. The resale curve sets the negative-equity risk in years one and two. The dealer network sets how easily your next servicing invoice lands. And a few brands run their own captive finance arms whose promotional rates on new stock can undercut what any independent broker will find you, but only while the promotion is live.
For a mainstream brand like Toyota, Mazda, or Hyundai, every NZ lender will write a loan against it without much friction, NZ-new or used, and resale is predictable enough that 5-year terms are common. For a premium marque like BMW or Mercedes-Benz, the captive finance arm is often the first quote worth getting, and most buyers pair a 10 to 20% deposit with a 4 to 5-year term to avoid the steep first-year depreciation. For a niche or low-volume brand, a few lenders apply tighter age or kilometre limits, and full-comprehensive insurance is usually a loan condition rather than a suggestion.
Each brand page below is calibrated to these differences. You get a calculator pre-filled to the typical NZ price for that brand, finance traps specific to its buyer pool (the Hilux balloon payment, the Mazda trade-in margin, the Subaru head-gasket era), plus popular models with their own pages. Use the category buckets to find your starting point, then dig into the brand itself.
Mainstream
Toyota
From $110/week at typical price
Citroen
From $82/week at typical price
Fiat
From $64/week at typical price
Ford
From $128/week at typical price
GWM
From $128/week at typical price
HAVAL
From $128/week at typical price
Holden
From $69/week at typical price
Honda
From $78/week at typical price
Hyundai
From $91/week at typical price
Isuzu
From $160/week at typical price
Jeep
From $146/week at typical price
Kia
From $101/week at typical price
LDV
From $128/week at typical price
Mazda
From $91/week at typical price
MG
From $110/week at typical price
Mitsubishi
From $96/week at typical price
Nissan
From $91/week at typical price
Peugeot
From $87/week at typical price
Renault
From $82/week at typical price
Skoda
From $114/week at typical price
Subaru
From $87/week at typical price
Suzuki
From $64/week at typical price
Volkswagen
From $101/week at typical price
Premium
Alfa Romeo
From $155/week at typical price
Aston Martin
From $823/week at typical price
Audi
From $146/week at typical price
Bentley
From $1,005/week at typical price
BMW
From $174/week at typical price
Cupra
From $256/week at typical price
DS Automobiles
From $160/week at typical price
Ferrari
From $1,462/week at typical price
Genesis
From $329/week at typical price
Jaguar
From $160/week at typical price
Lamborghini
From $1,736/week at typical price
Land Rover
From $206/week at typical price
Lexus
From $165/week at typical price
Maserati
From $356/week at typical price
McLaren
From $1,188/week at typical price
Mercedes-Benz
From $165/week at typical price
MINI
From $101/week at typical price
Porsche
From $366/week at typical price
Rolls-Royce
From $2,056/week at typical price
Volvo
From $160/week at typical price
EV-forward
Niche and specialist
BAIC
From $183/week at typical price
Chery
From $128/week at typical price
Chevrolet
From $160/week at typical price
Chrysler
From $73/week at typical price
Daihatsu
From $34/week at typical price
Dodge
From $128/week at typical price
Foton
From $146/week at typical price
Geely
From $228/week at typical price
Lotus
From $548/week at typical price
Mahindra
From $110/week at typical price
Ram
From $685/week at typical price
What the categories mean
Mainstream
High-volume brands with wide dealer and parts networks across New Zealand. Toyota, Mazda, Ford, Mitsubishi, Nissan, Hyundai, Kia, Honda, Subaru. Any lender on any panel will write against these, NZ-new or used import, and the servicing story is genuinely long-tail: you can get a Corolla fixed in Timaru, Gore, or Gisborne without hunting for parts.
Premium
BMW, Mercedes-Benz, Audi, Lexus, Porsche and up. Higher purchase price, higher running costs (brakes, tyres, servicing), and captive finance arms that routinely run subvented rates on new stock. Servicing infrastructure thins outside Auckland, Wellington and Christchurch, so for rural owners the nearest franchised dealer can be a long drive rather than a local errand.
EV-forward
Tesla, BYD, Polestar, MG (EV trims), Hyundai Ioniq, Kia EV range. Battery state-of-health is a real underwriting consideration on used examples. Some NZ lenders (Westpac, ANZ) publicise green-loan pricing 1 to 2 points below standard; it has to be asked for. RUC now applies to BEVs at $76 per 1,000 km, which changes the weekly running-cost case.
Niche and specialist
Low-volume marques (Alfa Romeo, Genesis, Lotus, Maserati, Aston Martin) and specialist utility brands (Foton, Mahindra, RAM). A few lenders apply tighter age or kilometre caps on these. Comprehensive insurance is almost always a loan condition. Resale is thinner: plan on a longer sell cycle if your circumstances change mid-loan.
Our finance partner compares NZ lenders on the applicant's behalf. The calculator is the starting point; the partner returns a formal estimate after the lender's credit assessment.
Disclaimer
A car loan runs for years, and the repayment comes out of the same pay that covers everything else. This site exists to show you that weekly number before you sign anything. The payment that catches people out is the one that's fine on a good week and tight on a bad one.
Carfinance.org.nz receives a commission from Simplify when a visitor applies through this site and their application is approved. We refer every visitor to the same partner because they compare multiple New Zealand lenders on the applicant's behalf, so the referral is not driven by a sponsored deal. Simplify sets its own terms and fees and discloses them directly; anything you agree to happens on their side, not ours. Every figure shown on this site is a modelled estimate based on the inputs entered; the actual rate, fees, and repayments are set by the lender after assessing the applicant's circumstances and its own credit decision. Carfinance.org.nz is a calculator and information tool. We are not a lender, not a broker, and not a registered financial adviser. Any decision about whether a specific loan suits a specific situation is best made after talking with the lender, and for amounts that materially affect the household, with a registered financial adviser.
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