2008-2013 used
$7,000500 II early NZ-new cars. 1.2 petrol common. Typical 130,000 to 180,000 km by 2026.
Weekly
$31.99
Monthly
$138.61
Fiat model
Fiat 500 finance calculator
Fiat's style-led city hatch, in essentially its current form since 2007.
Last reviewed: 23 April 2026
Your estimated repayment
Weekly
$55/week
$110 /fortnight $238 /month
$12,000
$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.
Fiat 500 finance calculator Not a lender. Not a broker. Financing a Fiat 500 in New Zealand
The 500 is Fiat's core nameplate in New Zealand and the car that carries almost all of the brand's passenger-car volume. NZ parc mixes NZ-new 500 III cars through Stellantis NZ with a meaningful tail of earlier 500 stock that entered the country new between 2008 and 2014. The 1.2 naturally-aspirated petrol is the dominant drivetrain on used stock, with 0.9 TwinAir turbo variants as a smaller pool. The 500 is cross-shopped against the Mini Cooper, Suzuki Swift, Citroen C3, and style-led entries from Hyundai and Kia, often by urban buyers choosing on looks and parking footprint rather than on mainstream feature comparisons.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
500 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.
2014-2018 used
$11,000500 II facelift. 1.2 petrol and 0.9 TwinAir turbo. Pop, Lounge, and Sport trims typical.
Weekly
$50.26
Monthly
$217.81
2019-2022 used
$15,000Late 500 II run. 1.2 petrol across most of the range. Dolcevita special editions appear.
Weekly
$68.54
Monthly
$297.02
2023+ new/nearly-new
$24,000Current 500 range and 500e battery-electric on NZ-new stock through Stellantis NZ.
Weekly
$109.67
Monthly
$475.23
Who this suits
Who buys a Fiat 500?
- First-car buyers in Auckland, Wellington, or Christchurch choosing on looks and a parking footprint small enough for terrace-street kerbside parking.
- Retired second-car households wanting a compact runaround alongside a larger family SUV or wagon.
- Style-led buyers cross-shopping the Mini Cooper who want something visually distinctive at a lower sticker and a smaller loan.
- Low-distance commuters (8,000 to 12,000 km a year) where a small petrol engine on urban cycles is materially cheaper than a larger car on finance, insurance, and fuel combined.
Financing notes
What financing a 500 usually looks like.
At $12,000 across a 4-year term at 8.5%, the weekly repayment sits at roughly $70 a week or $303 a month (indicative). 500 residuals sit below the mainstream small-hatch average, so a 3 to 4 year term with a reasonable deposit is the cleaner structure rather than stretching to 5 or 6 years where the balance often outpaces resale through the back half.
Model-specific questions
Fiat 500 finance FAQ.
Is a used Fiat 500 a safe financing choice in New Zealand?
Yes on NZ-new 500 II and later cars (2014 onwards) with complete service records, particularly 1.2 petrol variants where the mechanical package is simple and well-understood. On older 500 II stock or anything with a 0.9 TwinAir, a pre-purchase inspection focused on timing chain and turbo oil feeds is worth the modest cost before committing to finance.
Does the Fiat 500 hold its value like a Suzuki Swift or Yaris?
Not quite. Base 500 residuals sit noticeably below the mainstream small-hatch average in NZ because new-car volume has been small and used-buyer demand is a narrower style-led niche rather than a broad mainstream audience. Expect a 3-year-old base 500 to retain around 40 to 50% of list price against 50 to 60% on a Yaris or Swift. Terms commonly run 3 to 4 years to stay ahead of the curve.
Is a $12,000 Fiat 500 worth financing at all?
It can be, though at that price the total interest over a long term starts to look large next to the car. A two or three year term keeps that in proportion, and the calculator above shows how much less a shorter term costs in total even though it costs more per week.
What do lenders make of a used-import Fiat 500?
Import examples are financed, but a Japanese or UK import with no NZ service record is read as weaker security than an NZ-new car with one. That usually shows up as a shorter term rather than a decline, and a PPSR check plus an inspection matters more here than on a mainstream nameplate.
You might also want
Keep exploring
A formal estimate on a Fiat 500.
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.