Jeep Compass finance calculator

On a $22,000 used 2018 Compass Longitude at 8.5% indicative over four years with no deposit, the weekly repayment sits at roughly $127. A $30,000 2021 Limited runs at around $174 a week on the same settings. A $55,000 new 4xe PHEV on a 5-year term at 7.5% indicative works out to about $255 a week. Actual rates are confirmed by the lender; these figures are illustrative only.

Some NZ lenders include qualifying plug-in hybrids in their efficient-vehicle loan products at an indicative discount below standard rates, and the Compass 4xe usually qualifies. Availability varies by lender and changes over time; a broker typically confirms whether a green-rate applies at application. Fully battery-electric products commonly attract a larger discount than PHEVs, and servicing the Compass 4xe through an authorised Jeep dealer preserves the hybrid warranty.

All three finance through the same NZ lender product at broadly similar indicative rates on a given applicant. The Compass typically has thinner residual-value data and slightly faster depreciation than the CX-30 or Kona, so lenders are marginally more conservative on Compass loan-to-value and term length. Buyers who prioritise 4WD capability in the segment often favour the Compass Trailhawk; buyers who prioritise resale often favour CX-30 or Kona.

On a late-model Compass with a clean credit record and a modest deposit, indicative rates from mainstream NZ lenders typically sit in the 8 to 10% range. Pre-facelift 2017 to 2019 Compass examples land in the 9 to 12% range because the asset is older and lender residual exposure is higher on Jeep than on mainstream Japanese compact SUVs. A thin credit file commonly pushes the rate toward the upper end of the band.

A 10 to 15% deposit ($2,200 to $4,500 on a $30,000 used Limited, $5,500 to $8,000 on a new 4xe) is the widely observed range. In our experience a deposit typically lowers the indicative rate slightly and reduces negative-equity exposure in the first 18 months, which matters more on a Compass than on a Japanese rival because Jeep depreciation runs a little faster. Zero-deposit loans are available on late-model examples for strong applicants.

Yes, on essentially the same terms as a dealer purchase. An indicative broker rate sourced before negotiating is the common first step. A Carjam report typically verifies the VIN, odometer, and any existing secured interest on the PPSR; the seller must clear any listed security at settlement. A specialist pre-purchase inspection at $200 to $350 is widely regarded as worth the cost on pre-facelift 2.0L examples, where cooling-system and 9-speed auto software issues have been documented.

Four years is widely observed on a used Compass because the vehicle's residual curve is steeper than the Japanese compact-SUV mainstream. Five years is common on new NZ-delivered Compass through Ateco dealers, particularly the 4xe PHEV where the higher buy-in benefits from a longer term. Seven-year terms are uncommon on Compass and grow total interest materially on an already-depreciating asset.