Mitsubishi Eclipse Cross finance calculator

On a $32,000 petrol Eclipse Cross at 8.5% indicative over five years with no deposit, the repayment works out to roughly $152 a week. A $48,000 PHEV XLS at 7% indicative on the same settings lands near $219 a week. A 20% deposit on the same PHEV drops the weekly to around $175. These figures are illustrative only; actual rates depend on the lender's assessment.

Some NZ lenders offer a green-loan tier on new and near-new plug-in hybrids that typically sits a half to a full percentage point below the equivalent petrol rate in our experience. Eligibility depends on the lender's specific criteria, the vehicle's age and CO2 rating, and the applicant's credit profile. Confirmation of the actual rate is the lender's to provide.

The Eclipse Cross PHEV pays Road User Charges at around $76 per 1,000 km under the 2024 rules, sitting alongside electricity and any petrol use. RUC is a running cost outside the loan repayment but materially affects the total cost of ownership budget. A PHEV Eclipse Cross covering 15,000 km a year typically runs around $1,140 of RUC annually.

It depends on daily distance and home-charging access. With a home charger and a daily commute under 50 km, the PHEV variant typically saves a meaningful amount in running costs net of RUC across a five-year loan. Without regular home charging, the $8,000 to $12,000 purchase premium rarely amortises and the petrol version is usually the rational pick.

Most NZ lenders fund compliant imports once entry compliance is certified and the first NZ WoF is issued. Indicative rates on imports typically sit 0.5 to 1.5 points above an equivalent NZ-new Eclipse Cross in our experience, because residual data is thinner. Maximum term is often capped at four or five years, and a battery-health report is widely regarded as essential on imported PHEV stock.

Five years is the widely observed default for both petrol and PHEV variants. Six-year terms are occasionally offered on new PHEV XLS stock to keep the weekly manageable, accepting higher total interest. On a $40,000 loan at 8% indicative, the gap between five and seven years is roughly $3,800 in total interest on our calculator, which commonly tips buyers toward five.

Seltos and Kona typically list in a similar band to the Eclipse Cross on matching trims, so loan sizes land close. Mitsubishi's longer Diamond Advantage warranty on qualifying new stock plus PHEV availability are often cited as finance differentiators. Buyers who prioritise warranty tail often favour Eclipse Cross; those wanting a broader powertrain lineup often favour Seltos or Kona.

Yes, where business use can be documented. A chattel mortgage is the common structure for sole traders and small businesses; finance interest is generally deductible against business income where the Eclipse Cross is used primarily for business, and GST is typically claimable in the next GST return for GST-registered buyers, both subject to the accountant's confirmation.