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Foton model

Foton Tunland finance calculator

The volume Foton model, built around a Cummins 2.8L diesel.

Last reviewed: 23 April 2026

The Tunland is Foton New Zealand's core double-cab ute and the model that carries the brand on NZ loan books. Almost every Foton finance application written in New Zealand is for a Tunland, typically to a GST-registered tradie, civil contractor, or landscaping operator cross-shopping it against a Great Wall Cannon, LDV T60, or a used Hilux in the same money. Cummins-sourced 2.8L turbo-diesel, automatic transmission on most NZ-spec variants, and a 5-year / 150,000 km factory warranty make the underwriting file straightforward for specialist commercial lenders like UDC, MTF, and Heartland.

Your estimated repayment

Weekly

Disclaimer

$160/week

$320 /fortnight $693 /month
$35,000
$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

Tunland 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.

2015-2017 used (previous generation)

$14,000

Earlier Tunland on the ISF 2.8L Cummins. Commonly 150,000+ km farm hacks. Warranty long expired; MBI worth pricing.

Weekly

$63.97

Monthly

$277.22

2018-2020 used

$22,000

Refreshed Tunland with improved interior and safety kit. Mid-life examples often still inside their original warranty period.

Weekly

$100.53

Monthly

$435.63

2021-2023 used

$32,000

Current-shape Tunland double-cab 4x4. Most examples carry meaningful factory warranty remaining.

Weekly

$146.22

Monthly

$633.64

2024+ new

$48,000

Current NZ-new range. Full 5-year / 150,000 km factory warranty from delivery.

Weekly

$219.34

Monthly

$950.46

Who this suits

Who buys a Foton Tunland?

  • Sole-trader tradies (building, plumbing, landscaping) needing a GST-claimable work ute at a lower buy-in than a new Hilux or Ranger.
  • Civil contractors running small fleets who cross-shop Tunland against LDV T60 and Great Wall Cannon on price-per-unit.
  • Price-led buyers stepping out of an ageing used Hilux or Ranger who want new-vehicle warranty cover without the new-Hilux price tag.
  • Rural and lifestyle-block buyers using the Tunland as a farm ute and occasional tow vehicle under the 3,000 kg braked limit.

Financing notes

What financing a Tunland usually looks like.

At $35,000 across a 5-year term at roughly 9%, you are at about $165 a week or $714 a month. Under a chattel mortgage the weekly is the same but the GST component ($4,565 on a $35,000 ex-GST-claim price) comes back to the business via the next GST return, and the interest is deductible across the term. Given softer Tunland residuals, 4 years is often a safer term than 5 for a used Tunland.

Model-specific questions

Foton Tunland finance FAQ.

Is a Tunland a safe financing choice compared with a used Hilux at the same price?

They finance into similar commercial-lender products at similar rates. The structural differences are warranty runway (Tunland new keeps the full 5-year / 150,000 km factory cover; used Hilux rarely does) and resale exposure (Hilux holds value noticeably better). Businesses that prioritise warranty cover over trade-in value often favour the Tunland; businesses that prioritise resale often favour the used Hilux.

Can I get a finance lease or operating lease on a Tunland, or only a chattel mortgage?

All three structures are available through commercial lenders that regularly write Foton. Chattel mortgage is the most common because most Tunland buyers are sole traders who want the GST claim and the ownership outcome. Finance lease and operating lease are written too, especially for contractors who specifically want the softer Tunland residual off their balance sheet.

How long should I finance a Tunland for, given the softer resale curve?

Three to four years is the widely observed safe ceiling for most buyers. The Tunland resale curve is steeper than a Hilux or Ranger, so a 5 or 6 year loan risks leaving the balance above the used-market value in the back half. For buyers genuinely planning to keep the Tunland past 5 years, a 5-year term is workable; for buyers who might trade earlier, 4 years is the widely preferred pattern.

A formal estimate on a Foton Tunland.

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.

All Foton models

Disclaimer

A car loan is a commitment that runs for years, and repayments come out of the same pay cheque as everything else. Before committing, it is worth modelling the weekly and monthly cost against the household budget, which is what this site is built to help with. Borrowing at a level that stays comfortable on a bad week, not a good one, is widely regarded as the safer frame.

Carfinance.org.nz earns a commission from a partner brand when a visitor applies through this site and their application is approved. That commission is paid by the partner, not the applicant, and it does not influence the rate the lender offers. We refer every visitor to the same partner because they compare multiple New Zealand lenders on the applicant's behalf, so the recommendation is not driven by a sponsored deal. Every figure shown on this site is a modelled estimate based on the inputs entered; the actual rate, fees, and repayments are set by the lender after assessing the applicant's circumstances and own credit decision. Carfinance.org.nz is a calculator and information tool. We are not a lender, not a broker, and not a registered financial adviser. Any decision about whether a specific loan suits a specific situation is best made after talking with the lender, and for amounts that materially affect the household, with a registered financial adviser.