2005-2013 used
$14,000Fifth-generation H200. Mostly ex-Japan imports on the cheaper end. High kilometres are normal rather than a warning sign.
Weekly
$63.97
Monthly
$277.22
Toyota model
Toyota Hiace finance calculator
New Zealand's default work van, and the sixth most common vehicle of any kind on the road here.
Last reviewed: 2 August 2026
Your estimated repayment
Weekly
$128/week
$256 /fortnight $554 /month
$28,000
$0
7.00% p.a.
5 years
Apply for a formal estimate
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.
Toyota Hiace finance calculator Not a lender. Not a broker. Financing a Toyota Hiace in New Zealand
The Hiace is the van most New Zealand trades, couriers and shuttle operators end up in, and it sits sixth on the Carjam NZ fleet register ahead of every passenger car except the Corolla, Hilux, Ranger, RAV4 and Swift. That volume is what shapes the finance: lenders have decades of resale data on it, the used market is deep in every centre, and a Hiace holds its money in a way few vans do. Stock arrives two ways, as NZ-new vans through Toyota dealers and as Japanese imports in long, super-long and high-roof configurations that were never sold new here. Most Hiace finance is written through a business rather than a household, which changes the structure more than it changes the rate.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Hiace 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.
2014-2018 used
$26,000Facelifted H200 with the 3.0-litre diesel. The volume band for working vans, and where most trade buyers shop.
Weekly
$118.81
Monthly
$514.83
2019-2023 used
$42,000Current-shape H300 with the 2.8-litre diesel and a wider body. Ex-lease and ex-fleet stock enters here.
Weekly
$191.92
Monthly
$831.65
2024+ new/nearly-new
$62,000Current NZ-new Hiace through Toyota dealers. Long and super-long wheelbase, panel van and twelve-seat commuter.
Weekly
$283.31
Monthly
$1,227.67
Who this suits
Who buys a Toyota Hiace?
- Sole-trader builders, sparkies and plumbers carrying tools and materials daily.
- Courier and last-mile delivery operators running high annual kilometres on a fixed route.
- Shuttle, tourism and airport-transfer operators needing the twelve-seat commuter body.
- Households converting a van for camping or weekend travel rather than work.
Financing notes
What financing a Hiace usually looks like.
At $28,000 over five years at 8% indicative, the weekly repayment lands near $135. Where the van is genuinely a work vehicle, a chattel mortgage is commonly the structure used rather than a consumer car loan, and the GST and depreciation treatment follows from that. Which one applies is a question for your accountant, subject to their confirmation, and it is a cheaper conversation before the application than after it. Terms of four to five years are the common shape, helped by a resale curve that is shallower than most vans on the New Zealand market.
Model-specific questions
Toyota Hiace finance FAQ.
Is a Hiace financed as a business vehicle or a personal one?
Most are financed through a business, because most are bought to work. Where the van is mainly a business asset, a chattel mortgage is generally the better structure than a consumer car loan, and the deductibility and GST position follows from that rather than from the loan itself. Your accountant confirms which side of the line it falls on.
Do lenders treat an ex-Japan Hiace differently from an NZ-new one?
Usually a little, and it is about the paperwork rather than the van. An import with no NZ service record gives a lender less to verify, so the term is often shorter and the deposit firmer than on an NZ-new equivalent. The mechanical package is familiar either way, which is why imports are financed routinely rather than declined.
What does a Hiace cost per week on finance in New Zealand?
A $26,000 used 2016 diesel over five years at 8% indicative runs at roughly $126 a week, and a $62,000 new commuter over the same term at about $300. The calculator above moves both figures as the deposit and term change, which on a van at this price does more work than the amount does.
Does high mileage stop a Hiace being financed?
Not on its own. Working vans accumulate kilometres and lenders expect it, so the assessment leans on age, condition and service evidence more than the odometer. What tends to shorten the term is a van old enough that the lender's age-at-end-of-term limit binds, which is why a 2010 import is often written over three years rather than five.
Is the twelve-seat commuter financed differently from a panel van?
The structure is the same, but the use often is not. A commuter running passengers for hire sits in a different insurance and certification category, and lenders ask about it because it affects both the risk and the vehicle's resale pool. It does not change the loan type, only the questions asked before approval.
A formal estimate on a Toyota Hiace.
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.