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
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.
Your estimated repayment
Weekly
$25/week
$50 /fortnight $109 /month
$5,500
$0
7.00% p.a.
5 years
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.
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.
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.