Easy car finance calculator
See what your car loan could cost
You’ve found your dream car, now let’s figure out the numbers. Our easy auto finance calculator takes 30 seconds to use, doesn’t affect your credit score, and gives you a genuine estimate of what your repayments could look like. No hassles, no pressure. Just the facts. Better yet, use it as your first step toward vehicle finance online pre-approval, know your numbers before you apply.
Simply enter your vehicle price, deposit amount, and preferred loan term to get an instant estimate. Adjust the sliders until you find a weekly or monthly payment that works for your budget.
Calculate your car finance repayments
Wondering what your car loan will actually cost? Use our vehicle finance calculator to see estimated repayments before you apply. Adjust the deposit and term to find a payment that fits your budget – no obligation, no credit check.
Finance Calculator
Choose Term (Monthly)
Estimated Payment †
† Finance calculation based on a month term, and with an example annual fixed interest rate of . Actual interest rate may be higher or lower. Includes an establishment fee of . Full term amount payable of . Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.
How does easy auto finance work at Portage Cars?
Vehicle finance online pre-approval with Portage Cars is straightforward from start to finish. Once you’ve used the calculator to get a rough idea of your budget, applying takes just a few minutes online, and in many cases you could drive away the same day.
Here’s what to expect:
Fixed rates for the full term
Flexible terms from 12 to 60 months
From 0% deposit available*
Car loans NZ low interest
*Deposit requirements vary based on credit history and vehicle.
Ready to go from estimate to approved?
The calculator gives you a solid starting point, but the real thing is even easier. Apply for vehicle finance online pre-approval using our simple application form and a member of our team will be in touch to get you sorted. No hard sell, no pressure, just the facts.
2000+ customers rated their experience with us at 4.9/5
spencer wills
Had a great experience at Portage Cars working with Andrew. From the start, he was patient and easy to deal with, never once felt like he was pushing for a sale just to close the deal. Instead, he took the time to understand what I actually needed and worked with me to find an outcome that worked for both sides.
It’s refreshing to deal with someone who prioritises a fair deal over a fast one. Would happily recommend Andrew and the team at Portage Cars to anyone looking for a straightforward, low-pressure car buying experience.
Sui Ellin
I had John assist me throughout the whole searching process and ultimately buying a car. He was really helpful suggesting car option within the range I was looking for, both in type o car and pricing. He was very friendly and easy to contact. Portage cars itself had amazing cars at great values. Would recommend and will be back in future. Thank you John!
Ellie the foodie
We had a fantastic experience with Portage Cars Christchurch.
A special thank you to John, who was honest, helpful, and transparent throughout the entire process. He was upfront about what he knew and made sure we had all the information we needed to make our decision without any pressure.
As we were relocating to Queenstown, John also helped organise vehicle transportation from Christchurch, which made the process much easier for us.
We were especially grateful to Craig, the manager. During the time we were making our decision, the transportation fee increased between May and June. However, Craig kindly honoured the original transportation price that had been discussed with us in May. That level of customer service and goodwill really stood out.
Buying a vehicle can be stressful, but John and Craig made the experience smooth, professional, and trustworthy. We would happily recommend Portage Cars to anyone looking for honest service and great customer care.
Thank you again!
Leeasha
Had a fantastic experience with Kasey at Portage and her amazing customer service! Showed me good options, got to test drive a few vehicles, one being test driven a couple of times to make sure it was the one. Was my first time making a car decision on my own but she helped me out to make sure I made the right long term decision! Highly recommend! Great customer service and quality vehicles (and even if I didn’t feel something was right, I had reassurance that it would be perfect before leaving the lot) 🖤
Hilbert Smilde
Very happy with our experience buying our new mitsi asx. Kasey was absolutely wonderful to deal with. Offered many options to get us the best deal possible.
100% would come back in the future
Hillary Pound
Kasey made the process of purchasing our new car so easy and stress free. She kept great contact and fast turn around for us to pick up our new car in only a couple of days from first getting in touch. Highly recommend
Sheree Menzies
Huge thanks to John and Craig for the most streamlined car purchase I have ever experienced. I am extremely happy with my new Prius. Leaving this review is a pleasure!
Lourens Kairuz
Andrew, was so helpful with the whole process. Our application was approved within hours and even on a Saturday.
When we received the van it was spotless, nicely valet.
Would do business with them definitely in the future.
Thank you Andrew and team for the great service.
Avikash Narayan
I recently purchased a vehicle from Portage Cars in Christchurch and had a very positive experience from start to finish. Sam, the sales representative, was extremely friendly, approachable, and helpful. He took the time to understand my requirements and ensured the entire process was smooth and stress-free, without any pressure.
Andrew, who is based in Tauranga, handled the finance side of things and was equally professional and supportive. Despite being in a different location, he made the process seamless by clearly explaining all details and promptly addressing any questions I had.
Overall, the service was excellent, and the entire experience was efficient and pleasant. I would highly recommend Portage Cars to anyone looking for a reliable and customer-focused car buying experience.
Easy auto finance FAQs
Finance
Not at all. The calculator is just an estimate tool, no credit check is involved.
Absolutely! Our vehicle finance online pre-approval means you can get approved before you’ve even found your car, then shop with confidence across our 600+ vehicles nationwide knowing exactly what you can spend.
The calculator uses an example rate for illustration purposes. Your actual rate depends on your credit history, vehicle, and current lender criteria. Call us on 0800 554 676 for a personalised quote, we’re here seven days a week.
Yes! We specialise in bad credit car finance in NZ and work with lenders who consider applications from people with less-than-perfect credit histories. While you may need to provide additional information and rates may be higher, we’ve helped hundreds of Kiwis secure vehicle finance despite past credit issues. Call us on 0800 554 676 to discuss your situation – we’ll be straight with you about what’s possible.
Yes! We offer commercial vehicle finance for tradies, small businesses, and contractors. Check out our commercial finance page for more information on business vehicle loans, or call us to discuss your commercial finance needs.
General
We sure do! Here at Portage, we want to help you squeeze every last dollar out of your old car, so we offer trade-in deals that will help fund your new set of wheels. We provide a free, no-obligation trade exchange valuation, which we guarantee for up to 7 days. Our expert valuers are on hand to ensure you get the best price for your old car. Find out more about our car trade-in process.
Portage Cars is well and truly your local! We have car dealerships up and down the country, meaning you’re never too far from a deal. Visit our locations page to find a Portage Cars branch near you.
While the individual cars are not specifically AA-approved, Portage Cars is an AA-approved dealer. This means we have been certified by AA to meet their quality standards. Buying a used car from an AA-approved dealership like ourselves will mean that our inspectors have thoroughly checked your car to ensure it’s roadworthy and ready for its new journey.
Our staff are experts at matching drivers with new cars. Before hunting down the perfect car, we’ll start by asking you for extra information on your wants and needs. Everyone should have a car that matches their personality and lifestyle, and with Portage Cars, that’s exactly what you’ll get.
Car Insurance/ Mechanical Warranty
While standard vehicle insurance might cover theft and damage from accidents, mechanical breakdown Insurance (sometimes known as engine breakdown insurance) can cover mechanical faults and repairs, like steering problems, engine repairs, electric battery replacements, or auto-electrical issues. However, it’s important to note mechanical insurance will not cover standard wear and tear issues. Visit our car insurance policy page to learn more.
If labour and parts costs are under your mechanical breakdown insurance policy, then yes, both would be covered. The Portage Cars car insurance policy includes most parts, and larger mechanical parts and labour are fully covered.
An excess is the amount that you contribute to a claim. If you make a claim and it’s accepted, your insurer will pay the repair or replacement costs over your excess amount. Each excess could be different depending on the fault. Usually, excess costs will fall between $250-$100, depending on the policy.
Our car insurance policy will cost anywhere between [for 3 years $795 to $1695 ] depending on the vehicle and your chosen level of coverage. If you have any questions about our mechanical warranties and what option is best for you, drop our team a line, and we’ll be happy to help.
It sure can! One of our staff will be in touch before your current car insurance policy expires to discuss your extension options. You can extend your policy weekly, monthly, or fortnightly.
Collecting your car
When you come in to collect your new car, we’ll just need a few things from you so we can make handover nice and smooth. Please bring along valid photo ID, your driver’s licence, any remaining payment if it hasn’t already been completed, and any relevant finance documents if applicable.
We know how excited you’ll be to collect your new wheels. Head into the dealership you bought it from and it’ll be waiting for you.
When paying for your new car, you can either pay on the day you pick it up or pay before pick up. However, we will need proof on the day of your prior payment.
If you are financing your new car, you need a comprehensive insurance cover letter before driving away. However, if you purchase it outright, you won’t require any form of insurance, but we highly recommend organising it beforehand. You never know when an accident could happen.
After sales care
If you’re concerned there may be a mechanical issue with your vehicle, please contact the salesperson who sold it to you first. They’ll talk you through what’s happening and help guide you on the best next steps.
If you’re unable to reach them, please contact the dealership you purchased the vehicle from and the team will be happy to assist. We’re here to help make sure any issues are looked into as quickly and smoothly as possible.
Yes – we offer a range of affordable warranty options to help give you extra peace of mind. You can choose from one, two, or three years of additional cover, so you can drive away with added confidence knowing you’re protected if the unexpected happens.
Your salesperson is the best person to speak to first. They should have shown you through your vehicle’s main features before handover, but if there’s anything you’re unsure about afterwards, they’ll be happy to help.
If you’re unable to reach your salesperson, the dealership manager is the next best point of contact. You can find their details on our location pages.