2023 first-year NZ-new used
$155,000First Edition V6 supercharged. Low-km examples clearing ex-demo and early-owner stock. Provenance matters on finance application.
Weekly
$708.27
Monthly
$3,069.19
Lotus model
Lotus Emira finance calculator
The last petrol Lotus sports car, a specialist finance conversation for enthusiast buyers.
Last reviewed: 23 April 2026
The Emira is the current and final petrol-powered Lotus sports car, sold in NZ through the authorised NZ Lotus dealer in supercharged Toyota-sourced V6 and AMG-sourced turbo i4 guise. Volumes are small and the buyer pool is enthusiast-driven, so most finance applications run through luxury-tier broker panels rather than mainstream secured-car lenders. The "last petrol Lotus" status supports enthusiast demand and tempers depreciation relative to the outgoing Evora, but the residual picture is still young and warrants a shorter term with a substantial deposit.
Your estimated repayment
Weekly
$754/week
$1,508 /fortnight $3,267 /month
$165,000
$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
Emira 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.
2024-2025 NZ-new
$175,000Broader range including i4 turbo variant. Ex-demo and low-km supply through the authorised NZ dealer.
Weekly
$799.66
Monthly
$3,465.21
2025+ UK-import
$140,000UK-import Emira starting to appear. Luxury-tier broker channel only, tighter LTV caps and shorter typical term.
Weekly
$639.73
Monthly
$2,772.17
2026 NZ-new First Edition run-out
$195,000Late production "last petrol Lotus" variants. Enthusiast demand expected to support residuals.
Weekly
$891.05
Monthly
$3,861.23
Who this suits
Who buys a Lotus Emira?
- Enthusiast buyers choosing the Emira as a weekend and occasional track-day car alongside a daily-driver, who accept the specialist workshop network and thin used-market data.
- Cross-shoppers against a Porsche 718 Cayman S or Alpine A110 who want the lightweight Lotus driving experience and the "last petrol Lotus" narrative.
- Second-car buyers in Auckland, Wellington, or Queenstown with the garage space for a dedicated sports car and the cash flow to support both finance and enthusiast running costs.
Financing notes
What financing a Emira usually looks like.
At $165,000 across a 4-year term at 9.5%, a used NZ-new Emira V6 lands around $969 a week or $4,200 a month. With a 30% deposit ($49,500), the amount financed drops to $115,500 and the weekly sits near $678. Most Emira buyers pair a 25 to 35% deposit with a 4-year term to keep the equity picture clean across the young residual curve. UK-import Emira finance typically caps at a 3-year term with a 30% minimum deposit.
Model-specific questions
Lotus Emira finance FAQ.
Should I finance an Emira used for track days on a standard secured-car loan?
The finance itself is usually unaffected by track use, but the insurance side materially is. Standard comprehensive policies exclude track use, specialist track insurers quote substantially higher premiums, and most MBI products are unavailable or heavily restricted on track-used cars. Disclose track use on all applications because non-disclosure can void cover at claim time.
Is a used UK-import Emira harder to finance than an NZ-new one?
Yes, noticeably. Mainstream NZ lenders typically decline UK-import Emira outright, and luxury-tier lenders that accept UK imports price a 1 to 2 percentage point premium over NZ-new equivalents, cap loan-to-value at 65 to 75%, and restrict the maximum term to 3 years. Work through a specialist broker channel from the start, and expect to provide full UK service history and a NZ-based Lotus-specialist inspection report.
How does the Emira's supercharged V6 engine affect finance or insurance?
The Toyota-sourced supercharged 3.5 V6 (shared architecturally with the earlier Evora) slightly broadens mechanic familiarity outside the authorised NZ Lotus workshop, which some lenders view positively. Insurance pricing depends more on performance declaration and track-use disclosure than on drivetrain specifically, but the V6 typically sits 5 to 10% above the i4 on like-for-like policies.
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A formal estimate on a Lotus Emira.
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.