2005-2010 used
$6,000First-generation imports. The cheapest end of the parc, priced on condition.
Weekly
$27.42
Monthly
$118.81
Toyota model
Toyota Ractis finance calculator
A compact people-mover on small-hatch running costs, imported here in the thousands.
Last reviewed: 2 August 2026
Your estimated repayment
Weekly
$39/week
$78 /fortnight $168 /month
$8,500
$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 Ractis finance calculator Not a lender. Not a broker. Financing a Toyota Ractis in New Zealand
The Ractis is a small tall-bodied Toyota that packages five seats and a genuinely useful boot into a footprint no larger than a Vitz. More than 7,500 are on New Zealand roads, all of them used imports. It occupies the same space as the ist and the Fit, and it is bought for the same reason: interior room out of proportion to the outside dimensions, on running costs that belong to a small hatch. On the finance side it is a small, short loan where age rather than price sets the term.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Ractis 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.
2011-2014 used
$9,000Second-generation stock. The volume band for Ractis finance in New Zealand.
Weekly
$41.13
Monthly
$178.21
2015-2016 used
$12,500The final imports before the nameplate ended. The freshest examples available here.
Weekly
$57.12
Monthly
$247.51
Who this suits
Who buys a Toyota Ractis?
- Buyers needing boot space without the running cost of a wagon or SUV.
- Older drivers wanting a high seating position and wide-opening doors.
- Small families running one car for school and shopping trips.
- Buyers cross-shopping an ist or a Fit at the same money.
Financing notes
What financing a Ractis usually looks like.
At $8,500 over three years at 8% indicative, the weekly repayment sits near $63. The Ractis shares its mechanical package with the Vitz family, so servicing costs are those of a small hatch rather than of an MPV, which is the practical argument for it over a larger people-mover on a tight budget.
Model-specific questions
Toyota Ractis finance FAQ.
Is the Ractis a people-mover or a hatch?
It sits between the two. The body is tall and the interior is packaged like a small MPV, but the platform, engine and running costs belong to the Vitz small-hatch family. That combination is the whole appeal, and it is why servicing is cheaper than the interior space would suggest.
Was the Ractis sold new in New Zealand?
No. It was a Japan-market model, so every example here is a used import. The entry-compliance record and a verified odometer are what a lender looks at hardest in an application on one.
What does a Ractis cost per week on finance?
A $9,000 second-generation example over three years at 8% indicative works out at about $67 a week. The calculator above shows what a four-year term does to both the weekly figure and the total interest.
How many seats does a Ractis have?
Five, with the space efficiency going into legroom and boot volume rather than a third row. Buyers needing seven seats generally look at a Wish or a Premacy instead, both of which have their own page on this site.
A formal estimate on a Toyota Ractis.
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.