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Choose Smarter Car Finance,Choose Kiwi Car Loans!

See how affordable your dream is with our car loan calculator

Input your loan amount and term and our car payment calculator will give you an indication of you car loan repayments


10.45% 19.95%

$143 Apply Now

* Interest rate is indicative range only.


10.45% 19.95%

$27,921 Apply Now

* Interest rate is indicative range only.

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We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is a car loan calculator?

A car loan or car finance calculator is an online tool which gives you a quick estimate of your weekly or monthly loan repayments. This allows you to get a quick indication of how much you can borrow and if you can afford the loan amount over the length of the term. A may or may not include any upfront costs when applying for a loan. To get an accurate figure of your potential car loan repayments get in contact with a Kiwi Car Loan specialist on .

2. How to calculate monthly car loan repayments?

The amount you pay in monthly car loan repayments comes down to several factors: e.g. how much your car is worth, how long the term of the loan is, the interest rate that the financial lender is charging and any other fees associated with the loan. If you want to determine what your car loan repayment might be please use the Kiwi Car Loan calculator above.

3. How to calculate interest on a car loan?

If a car loan calculator does not provide you with the total interest owed from the loan then you can use the below formula to calculate the interest.

If you need a hand in understanding how much interest is owed on a loan or any other questions around repayments please get in contact with us on or by email at

Why choose Kiwi Car Loans

Variety of finance options
Kiwi Car Loans is the home of great rate finance approvals. We have access to a variety of finance options, and we look to find you the best finance option.

Easy application process
We work with New Zealand's best lenders and ensure a seamless and efficient financing process for our clients.

The fastest and best finance service
Client satisfaction is our top priority, and our professional team will work 7 days a week to bring you the fastest and best finance approvals to suit your requirements.

Competitive finance rates
Our goal is to give each client the best finance rates, enabling them to enjoy fewer monthly payments.

Calculator Disclaimer

The information which you calculate from this Calculator is intended for use by you as a guide only. It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.

Should you apply for any Kiwi Car Loans product, we will make our own calculations and we will not necessarily take your calculations into account. All interest rates displayed are guides only, repayments as a result of this simulation have no legal offering.

Kiwi Car Loans accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the car loan calculator.

Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees or charges which may apply to either the calculation of the loan amount or the monthly repayments.