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
Your estimated repayment
Weekly
$46/week
$91 /fortnight $198 /month
$10,000
$0
7.00% p.a.
5 years
Apply for a formal estimate
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 Terios finance calculator Not a lender. Not a broker. Financing a Daihatsu Terios in New Zealand
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.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
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 generally taken as essential.
Can a used-import Terios be financed in New Zealand?
Yes, though the terms follow the age rather than the price. Most Terios stock here arrived as a used import, so there is no NZ service record to read, and lenders commonly manage that with a shorter term and a firmer deposit than they would on an NZ-new equivalent.
What does a lender want to see on a Terios at this price?
A clean PPSR result, a current warrant, and whatever service evidence exists. On a vehicle this old the condition of the specific car carries far more weight than the model, and an inspection before purchase is what most of the risk turns on.
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.