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
Hannah Faye Bolante
Had a great experience with Portage Cars! John and Craig were awesome to deal with, super friendly, helpful, and made the whole process easy and hassle-free. Really appreciate all their help. Thanks heaps, guys! Would definitely recommend Portage Cars to anyone looking for a car. 😊
Flo & Andrew
We were in the market for a vehicle with our family growing, and we came across Portage Cars in the Mount. Honestly, we had the best experience from start to finish!
We spotted the Honda Vezel at a great price for its age and mileage, and Kasey was absolutely awesome to deal with. She wasn’t pushy at all, made us feel comfortable throughout the whole process, and was genuinely easy to deal with.
Andy was also great — friendly, relaxed and easy-going. A big shout-out to Fuao, the groomer, for preparing our vehicle and making sure it was looking its best.
5-star service from the whole Portage Cars team! Highly recommend these guys. Best dealership in the Bay of Plenty! ⭐⭐⭐⭐⭐
Sam Kane
The Uso Andrew!! Sold me my mazda and delivered to perfection! Was very patient with me (was not a pushy or annoying salesman) completely ticked off all my questions and inquiries. 100% recommend this guy for a pay-rise! , waited 2 weeks for my response whilst i was mourning the loss of a family member and Andrew showed empathy and not just business. You could say his kindness was a major factor in going through with the sale! Keep up the good work uso!
Sammy
Jane Elle
We traded in our old car and upgraded to a hybrid with Portage Cars. We were honestly surprised by how good the condition of the new car was. It was really clean, well looked after, and the quality was much better than we expected from a used car.
John and Craig were both great to deal with. They made the whole process easy and comfortable without any pressure. We’re really happy with our new hybrid and the decision to trade our old car in. Definitely appreciate the effort they put into making sure we were happy with the car.
Hayley Vickers
Just want to give an awesome shout out to the Kasey and Andrew at Portage Cars, Mount Maunganui! As soon as we walked on the lot, we were greeted by Kasey with comfort, kindness and a no pressure vibe (with good tunes hehe) Andrew made the finance application a breeze and was super helpful with all the formalities that a newbie doesn’t know about just yet. Thanks team for helping my girl get into her first ever adulting finance deal ! Woop woop, shes happy as with her lil Cube…
Chris Macdonald
The great team at Portage Cars New Lynn Helped fit me into the new car i was looking for. From my internet hunting to driving away in 2 hrs Sagar and Bella made the process smooth and fast. I recommend visiting them if you have any interest in a new vehicle .
Jess N
Had such a good experience buying my car here! 😊
I dealt with Kasey to start with and she was so lovely and really quick at getting back to me with prices for all the extras I was after.
Then I dealt with Andy, who was such a friendly and helpful guy. He was really relaxed and let me take my time on the test drive, which I really appreciated — no pressure at all!
The whole car-buying process was really easy and efficient from start to finish. Andy was awesome to deal with and made the whole experience so simple. Would definitely recommend! 😊
Jan Michael Valencia
Got my 3rd car from them. Just wanna say how happy and content I am with all of the cars I bought. Andrew was a delight from inquiry, all the way to bringing my car home. Kudos to all of the team that made my purchase a lot more exciting and going the extra mile 💪🏼
jingjing Tang
I bought a Toyota in July on Howard’s recommendation. I’ve been driving it for two months now – it’s fuel-efficient and really comfortable. The battery died halfway through, but since I had a three-month warranty, Howard replaced the battery for me right away. Great service
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.