2005-2012 used
$6,500Mostly ex-Japan Vitz imports. The cheapest end of the parc and a common first car, with condition varying widely.
Weekly
$29.70
Monthly
$128.71
Toyota model
Toyota Yaris finance calculator
Toyota's small hatch, sold NZ-new as the Yaris and imported from Japan as the Vitz.
Last reviewed: 2 August 2026
Your estimated repayment
Weekly
$59/week
$119 /fortnight $257 /month
$13,000
$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 Yaris finance calculator Not a lender. Not a broker. Financing a Toyota Yaris in New Zealand
The Yaris and the Vitz are the same small Toyota hatch under two names, and between them they account for more than 65,000 vehicles on the Carjam fleet register. Vitz is the Japanese-market badge and Yaris is what Toyota New Zealand sells it as, so the used market carries both in numbers and lenders treat them as one asset. It is one of the most common first cars in the country, which means most Yaris finance applications are also first credit applications, and the constraint is usually the borrower's file rather than the car. The current NZ-new range is hybrid-led, which puts newer Yaris stock at a noticeably higher price than the imports it shares the road with.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Yaris 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.
2013-2019 used
$11,000Later Vitz imports alongside NZ-new Yaris. The volume band for first-car finance.
Weekly
$50.26
Monthly
$217.81
2020-2023 used
$22,000Current-generation Yaris including the hybrid, and the Yaris Cross crossover as a separate body.
Weekly
$100.53
Monthly
$435.63
2024+ new/nearly-new
$33,000Current NZ-new Yaris through Toyota dealers, hybrid across most of the range.
Weekly
$150.79
Monthly
$653.44
Who this suits
Who buys a Toyota Yaris?
- First-time drivers financing a modest amount on a car with a deep parts supply.
- Second-car households wanting something cheap to run for short daily trips.
- Retirees downsizing to a small automatic that is easy to park and inexpensive to service.
- Commuters in Auckland and Wellington traffic where a small hybrid returns the most.
Financing notes
What financing a Yaris usually looks like.
At $13,000 over four years at 8% indicative, the weekly repayment sits near $73. Because the amounts are small, three and four-year terms are the common shape and longer terms are unusual: on a car at this price the total interest over seven years starts to look large against what was borrowed. First-time borrowers with no credit history are assessed on part-time income, a deposit, or a guarantor rather than on a file that does not exist yet, and approval remains the lender's decision after its affordability check.
Model-specific questions
Toyota Yaris finance FAQ.
Is a Toyota Vitz the same as a Yaris for finance purposes?
Yes. Vitz is the Japanese-market name for the car New Zealand sells new as the Yaris, so the mechanicals, parts and servicing are the same and lenders assess them interchangeably. The practical difference is provenance: most Vitz examples here are used imports, so the odometer verification and entry-compliance paperwork carry more weight in the application.
Can a Yaris be financed as a first car with no credit history?
Commonly yes. The amount is small and the resale market is deep, which is the combination lenders are most comfortable with. With nothing on file, the assessment rests on steady part-time income, a deposit, or a guarantor, and approval is still the lender's call after its affordability check.
What is a typical weekly repayment on a used Yaris?
An $11,000 2016 Yaris over four years at 8% indicative works out at about $62 a week, and a $33,000 new hybrid over five years at roughly $158. The gap between those two is most of the decision on this model, and the calculator above shows what each term does to it.
Is the Yaris Cross the same car as the Yaris?
No. The Yaris Cross is a taller crossover body on related underpinnings, sold as its own model in New Zealand, and it has its own page on this site. They share a name and a good deal of engineering but they are priced and financed as separate vehicles.
What term length is common on a small hatch like this?
Three to four years is the usual shape. On a $13,000 loan the difference between three and five years is a few hundred dollars a year on the weekly figure but considerably more in total interest, and on a car this cheap that trade-off tends to decide it.
A formal estimate on a Toyota Yaris.
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.