Suzuki Ignis finance calculator

On a $16,000 used Ignis at 9.5% indicative over five years with no deposit, the repayment works out to roughly $78 a week. A new Ignis at $22,000 on the same settings lands near $107 a week. A four-year term on the $16,000 Ignis lifts the weekly to around $94 and saves about $750 in total interest. Figures are illustrative; actual rates depend on the lender.

Yes, and it is one of the more commonly financed first cars on the NZ market since 2018 in the sub-$20,000 bracket. Lenders assess first-car applications on income stability, existing debt, and time in role. A guarantor or a 10 to 20% deposit is widely observed to lift approval odds. Insurance premiums typically sit lower than on a Swift Sport because replacement value is modest.

All three sit in the sub-$22,000 new bracket and under $17,000 used. The Ignis is the only one with a crossover-style higher seating position and around 180 mm ground clearance, which some buyers prioritise. Picanto and Mirage typically list slightly cheaper on a used three-year-old example. Running costs are similar across the three in our experience.

The mild-hybrid trim typically adds roughly $1,500 to $2,500 on a like-for-like used Ignis in 2026, lifting the weekly on a five-year 9.5% indicative loan by around $7 to $12. It trims fuel use modestly but is not a full hybrid like a Yaris Cross. For short-distance urban driving the fuel saving is small; the plain petrol is a common pick in our experience.

Four years is a widely observed default in the $14,000 to $18,000 band because total interest stays moderate while the weekly stays manageable. Three-year terms are common on sub-$13,000 used examples. Five-year terms are available on new Ignis but add materially to total interest; on our calculator, a $20,000 loan at 9.5% indicative costs around $1,500 more over five years than three.

Ignis depreciation has tracked as moderate for the segment on indicative NZ used-market trends since 2018, typically steeper in year one and flatter through years two and three. A 10 to 20% deposit and a term of four years or less are the commonly observed defences against year-one negative equity. A zero-deposit new loan is more exposed than a used purchase.

Comprehensive cover is almost always a loan condition because the vehicle is the lender's security. Indicative 2026 NZ annual premiums on a 2018 to 2022 Ignis sit around $750 to $1,200 in Auckland, $650 to $1,000 in Wellington, and $550 to $850 in Canterbury. Learner and restricted-licence drivers commonly see a material premium loading.