2008-2013 used
$8,000First-generation SX4 hatch and sedan. Typically 140,000 km-plus. Cheap entry to Suzuki small-car ownership.
Weekly
$36.56
Monthly
$158.41
Suzuki model
Suzuki SX4 finance calculator
A budget-end small crossover with a strong Japanese-import presence in New Zealand.
Last reviewed: 24 April 2026
The Suzuki SX4 has been on New Zealand roads in two distinct shapes: the original 2006 to 2014 SX4 hatch and sedan, and the second-generation SX4 S-Cross crossover from 2013 onward, sold NZ-new as S-Cross and imported from Japan under both SX4 and SX4 S-Cross badging. Most NZ examples are JDM imports, with AllGrip AWD common on 2013-plus S-Cross stock, and the petrol lineup splits between a 1.6 naturally-aspirated engine and a 1.4 Boosterjet turbo on later cars. It cross-shops with the Suzuki Vitara (same maker, slightly larger), the Mazda CX-3, and the Honda HR-V on the used market. Loan amounts typically fall in the $12,000 to $28,000 bracket, which places it in the budget-crossover finance segment.
Your estimated repayment
Weekly
$73/week
$146 /fortnight $317 /month
$16,000
$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
SX4 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.
2013-2016 import
$13,000Early second-generation S-Cross imports. AllGrip AWD common. 1.6 petrol dominates.
Weekly
$59.40
Monthly
$257.42
2017-2020 used
$18,000Facelift S-Cross with updated nose and the 1.4 Boosterjet turbo introduced. NZ-new and import mix.
Weekly
$82.25
Monthly
$356.42
2021+ nearly-new
$24,000Third-generation S-Cross with mild-hybrid Boosterjet. Dealer stock thinner than Vitara in most NZ markets.
Weekly
$109.67
Monthly
$475.23
Who this suits
Who buys a Suzuki SX4?
- First-crossover buyers on a $60 to $110 weekly repayment budget who want a higher seating position than a Swift at a used-hatch price point.
- Second-car households in Whangarei, Palmerston North, or Invercargill after a cheap, parkable small SUV for school runs and groceries.
- Rural and semi-rural buyers after AllGrip AWD at well below Vitara or Forester used pricing, often on a 2013 to 2018 S-Cross import.
- Students and early-career drivers moving out of a sub-$10,000 hatch who want something a little newer with better safety kit.
- Downsizers from a mid-size SUV keeping a crossover stance while dropping running costs and insurance premiums.
Financing notes
What financing a SX4 usually looks like.
At a $16,000 used S-Cross on a five-year term at 9.5% indicative, the weekly repayment sits at roughly $78, or about $336 a month. A 2017 Boosterjet AllGrip near $19,000 on the same settings lands around $92 a week. On a budget crossover this size, a three to four-year term is often the common call because total interest stays under control. Compliant Japanese imports are widely accepted across NZ lenders, with indicative rates typically 0.5 to 1.5 percentage points above an NZ-new equivalent in our experience.
Model-specific questions
Suzuki SX4 finance FAQ.
What is a typical weekly repayment on a Suzuki SX4 or S-Cross in New Zealand?
On a $16,000 used S-Cross at 9.5% indicative over five years with no deposit, the repayment works out to roughly $78 a week. A 2017 Boosterjet AllGrip at $19,000 on the same settings lands near $92 a week. A four-year term on the same $16,000 lifts the weekly to about $94 and saves roughly $750 in total interest on our calculator. Actual rates depend on the lender's assessment.
Can a Japanese-import SX4 S-Cross be financed in New Zealand?
Yes, once entry compliance is certified and a NZ WoF is issued, most mainstream NZ lenders finance a compliant S-Cross import. Indicative rates on imports typically sit 0.5 to 1.5 percentage points above an NZ-new equivalent in our experience. Maximum term is often capped at four or five years. A Carjam report typically verifies odometer and PPSR security.
Is the older first-generation SX4 hatch a safe finance choice in 2026?
A sub-$10,000 first-generation SX4 can be financed, but many NZ lenders apply a vehicle-age cap around 12 to 15 years from manufacture, which narrows options on pre-2014 stock. Indicative rates on older cars typically land in the 11 to 15% range because the asset is older and residual exposure is higher. A shorter term of two or three years keeps total interest modest on a small loan.
How does the SX4 S-Cross compare with the Suzuki Vitara on finance grounds?
The S-Cross used buy-in typically sits a few thousand below a comparable Vitara in 2026, and the JDM-import presence keeps supply higher on the budget end. Vitara has stronger NZ-new dealer stock and a newer facelift. Buyers who prioritise lowest weekly often favour S-Cross; buyers who prioritise NZ-new warranty commonly favour Vitara. Running costs are similar.
Does AllGrip AWD on the S-Cross add cost to the finance or running side?
AllGrip AWD adds a modest premium at purchase, usually a few thousand on a used listing. Lenders price AllGrip S-Cross on the same indicative rate table as front-wheel-drive trims in our experience. Running costs lift marginally on fuel and tyres; insurance varies by insurer. AllGrip is common on 2013 to 2018 S-Cross imports, often the cheapest used Suzuki AWD crossover entry.
What term length is commonly chosen on an S-Cross loan in New Zealand?
Four years is a widely observed default for S-Cross finance in the $15,000 to $20,000 band because total interest stays under control. Three-year terms are common on sub-$13,000 first-generation SX4s. Five-year terms are available on nearly-new S-Cross but add materially to total interest; on our calculator, an $18,000 loan at 9.5% indicative costs around $1,400 more over five years than three.
Is comprehensive insurance a loan condition on an S-Cross, and what does it typically cost?
Comprehensive cover is almost always a loan condition because the vehicle is the lender's security. Indicative 2026 NZ annual premiums on a 2016 to 2020 S-Cross sit around $850 to $1,300 in Auckland, $700 to $1,050 in Wellington, and $600 to $900 in Canterbury and Otago. Premiums vary with driver age, parking, and claims history. Import status can shift the premium in some insurers' tables.
A formal estimate on a Suzuki SX4.
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.