2000-2005 used
$5,500First-generation J100, typically high km and straightforward mechanicals.
Weekly
$25.13
Monthly
$108.91
Daihatsu model
Daihatsu Terios finance calculator
A compact 4WD SUV at the bottom of the used-import SUV market.
Last reviewed: 23 April 2026
The Terios is Daihatsu's compact SUV and the most commonly financed model in the brand's NZ parc. First-generation cars (late 1990s to mid-2000s) sit at the very cheap end of the used 4WD market, while second-generation Terios models (roughly 2006 to 2017) are the ones most likely to turn up at a dealer ready for finance. The 1.5L petrol four is shared with Toyota small-car platforms, so parts and servicing are straightforward at independent workshops. As a financed vehicle the Terios behaves like a very small SUV, not a kei-class runabout.
Your estimated repayment
Weekly
$46/week
$91 /fortnight $198 /month
$10,000
$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
Terios 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.
2006-2010 used
$8,500Second-generation J200 pre-facelift, the most common financed variant.
Weekly
$38.84
Monthly
$168.31
2011-2014 used
$12,000Post-facelift J200, improved interior and better resale.
Weekly
$54.83
Monthly
$237.61
2015-2017 used
$15,500Late run-out cars, often the tidiest available in 2026.
Weekly
$70.83
Monthly
$306.92
Who this suits
Who buys a Daihatsu Terios?
- First-car buyers wanting SUV practicality at a sub-$15,000 price point.
- Rural and lifestyle buyers needing a genuine 4WD option at the bottom of the used market.
- Shared-household families looking for a second car that can handle beach or forestry-road trips.
Financing notes
What financing a Terios usually looks like.
At $10,000 across a 3-year term at an indicative 12 percent, the weekly repayment sits at roughly $75, or $325 a month. Shorter terms keep total interest well inside $2,000. Because Terios resale on older cars is patchy, a 5-year term rarely makes sense. Three years is the widely preferred pattern where affordable, or four at the absolute most.
Model-specific questions
Daihatsu Terios finance FAQ.
Is the Terios genuinely 4WD or just all-wheel drive?
Most NZ-market Terios models are true 4WD with a selectable transfer case, not a soft all-wheel-drive system. That matters for lender classification on rural and farm use, and it also affects insurance in some cases. Confirm the specific variant before assuming either.
Can I finance a Terios for a farm or lifestyle block?
Yes, though most lenders will write it as a personal-use vehicle rather than a commercial one at this price point. A chattel mortgage structure is rarely worth the effort on a sub-$15,000 purchase. Where the buyer is claiming GST or expensing the vehicle, accountant input before choosing the loan structure is widely regarded as essential.
A formal estimate on a Daihatsu Terios.
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.