2018-2020 used
$14,000Early ZS stock. 1.5L non-turbo common. Volumes still scaling; used supply patchy outside main centres.
Weekly
$63.97
Monthly
$277.22
MG model
MG ZS finance calculator
The value-segment small SUV in the MG NZ range.
Last reviewed: 23 April 2026
The MG ZS is the brand's volume product on the NZ market and sits near the top of the budget small-SUV segment alongside the Suzuki Vitara and Kia Stonic. Per the Carjam NZ fleet register, ZS volumes have climbed steadily since 2022 as Inchcape-distributed NZ-new stock reached critical mass. Finance applications typically sit between $14,000 on early used examples and $32,000 on new Essence trims. The MG NZ 7-year or 150,000 km factory warranty is a significant part of the ZS's finance appeal because a 3-year-old used ZS still has four years of cover remaining.
Your estimated repayment
Weekly
$101/week
$201 /fortnight $436 /month
$22,000
$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
ZS 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.
2021-2022 used
$19,000Post-facelift era with improved interior and driver assist. Essence trim arrives and sells strongly.
Weekly
$86.82
Monthly
$376.22
2023-2024 used
$24,000Current-generation stock with 7-year warranty on the original sale. Factory cover typically has 4+ years remaining.
Weekly
$109.67
Monthly
$475.23
2025+ new
$30,000Current generation. Essence and Excite the common NZ-new trims on the petrol ZS.
Weekly
$137.09
Monthly
$594.04
Who this suits
Who buys a MG ZS?
- First-car and second-car buyers wanting a small SUV under the Kia Seltos or Toyota Yaris Cross price band.
- Young families adding a supplementary vehicle for school runs and city driving who value factory warranty coverage across the loan.
- Downsizers moving out of a mid-size SUV who prefer a higher driving position than a hatch offers.
- Buyers cross-shopping the Suzuki Vitara, Kia Stonic, and Haval Jolion at a similar weekly repayment.
Financing notes
What financing a ZS usually looks like.
At $22,000 across a 5-year term at roughly 8%, the weekly repayment sits at around $102 a week or $440 a month. A 4-year term drops total interest by roughly $1,500 while pushing the weekly to about $130. The MG NZ 7-year warranty on original sale means most current-generation used ZS applications still carry factory cover through the entire loan term, which usually makes dealer-bundled mechanical breakdown insurance redundant.
Model-specific questions
MG ZS finance FAQ.
Is the MG ZS a sensible finance choice compared to a Kia Seltos at the same weekly repayment?
At the same weekly the MG ZS is usually one or two years newer than the Seltos you could have bought, which means more factory warranty remaining and a lower unplanned-mechanical-cost risk across the term. The Seltos carries stronger resale into year four and a deeper used-market liquidity. On total cost across four years the ZS often comes out marginally ahead; at year five the Seltos tends to close the gap on resale.
How does the MG NZ 7-year warranty transfer on a used ZS?
The MG NZ 7-year or 150,000 km factory warranty runs from the original sale date of an NZ-new ZS through the Inchcape-MG dealer network and transfers to subsequent owners, provided the servicing has been completed through the MG NZ dealer network or an approved workshop. A 3-year-old used ZS typically still has about four years of cover remaining on the day of settlement.
Should I finance a ZS over 5 years or shorter?
For a used ZS between $18,000 and $25,000, a 4-year term is usually the sweet spot. A 5-year term works on current-generation stock with factory warranty running the full loan, but because MG residuals are still firming a 4-year term with a 15% deposit is the safer structure. Stretching beyond 5 years adds meaningful interest and outlasts the NZ residual data the lender is pricing against.
A formal estimate on a MG ZS.
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.