2000-2004 used
$3,500First-generation M100, basic spec, typically high km.
Weekly
$15.99
Monthly
$69.30
Daihatsu model
Daihatsu Sirion finance calculator
A cheap small hatch that fits a first-car finance budget.
Last reviewed: 23 April 2026
Your estimated repayment
Weekly
$25/week
$50 /fortnight $109 /month
$5,500
$0
7.00% p.a.
5 years
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We are not a finance company. Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on your circumstances and the lender's decision.
Daihatsu Sirion finance calculator Not a lender. Not a broker. Financing a Daihatsu Sirion in New Zealand
The Sirion is the Daihatsu model that turns up most often in NZ first-car conversations. Early cars (late 1990s to mid-2000s) are very cheap used runabouts, while later Sirions (2004 to 2013 in NZ-new form, plus imports after that) are more substantial 1.3L hatches that suit a sub-$10,000 finance application well. Because purchase prices sit in the $3,000 to $8,000 band, the Sirion lives almost entirely in small-loan-specialist territory rather than mainstream bank territory. Short terms work best here because resale on older Sirions is steep.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Sirion prices and repayments, by era.
Typical NZ market prices and the weekly cost of financing each. All figures assume 7% over 5 years with no deposit. Indicative only; open the full calculator to pre-set your own rate and term.
2005-2009 used
$5,000Second-generation M300, the most common NZ-landed variant.
Weekly
$22.85
Monthly
$99.01
2010-2013 used
$7,500Late NZ-new Sirions, 1.3L auto most common.
Weekly
$34.27
Monthly
$148.51
2014-2016 used imports
$9,000Post-distributor fresh Japanese imports, tidier examples.
Weekly
$41.13
Monthly
$178.21
Who this suits
Who buys a Daihatsu Sirion?
- First-time buyers wanting something genuinely affordable on a tight weekly budget.
- City commuters doing under 15,000 km a year who want a small, insurable hatch.
- Buyers rebuilding credit history after a default, where a smaller loan is easier to get approved.
Financing notes
What financing a Sirion usually looks like.
At $5,500 across a 3-year term at an indicative 13.95 percent, the weekly repayment sits at roughly $44 a week, or $190 a month. A $500 deposit is typical and usually trims 0.25 to 0.75 percentage points off the offered rate. Avoid 5-year terms at this purchase price: the car will almost certainly be worth less than the outstanding balance by year two.
Model-specific questions
Daihatsu Sirion finance FAQ.
Is a Sirion reliable enough to finance over three years?
Yes, provided the specific car has a clean service history and a recent WoF. The 1.3L engine is shared with Toyota small-car platforms and parts supply is good. An AA or independent pre-purchase inspection is worth the $150 to $250 cost before you commit, as condition varies more than badge-averaged reliability suggests.
Can I finance a Sirion with a limited credit history?
Small-loan specialists like MTF and Avanti routinely write Sirion loans for buyers with a thin or rebuilding credit file. Expect a higher rate than a mainstream bank would quote on a newer Toyota (typically 12 to 16 percent on used-import paper), but the path to approval is clearer here than on a more expensive car.
Is a Sirion too cheap to be worth financing?
Some lenders set a minimum advance that a Sirion sits near or below, and where a small loan is written the term is usually short. At this end of the market total interest over a long term starts to look large against the car, which the calculator above makes visible in a few seconds.
Do parts and servicing on a Sirion cause problems in New Zealand?
Mechanically it shares a great deal with Toyota, which helps, but some trim and body parts on an older used import can be slow to source. A car waiting on a part is still a car being paid for, which is worth knowing before the loan rather than during it.
A formal estimate on a Daihatsu Sirion.
Our finance partner compares multiple NZ lenders. Calculator inputs travel through to the application, and the partner returns a formal estimate after the lender's credit assessment.