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Personal & Car Loan Calculator NZ
Work out weekly or monthly repayments on a personal or car loan in New Zealand, the total interest and the real cost of flat-rate offers.
1. Your loan
Your monthly repayment
$341.30 a month
on a loan of $15,000
💡 Before you sign
- Compare the total you repay, including establishment and admin fees.
- Under the CCCFA, lenders must check the loan is affordable for you. You have 5 working days to cancel after getting the disclosure.
- Watch out for payment protection insurance added to the loan.
- Free budgeting help: MoneyTalks 0800 345 123.
An estimate at a fixed rate for the whole term; fees aren't included unless you add them to the rate. Not financial advice. 🔒 Everything stays on your device.
📚 Official sources: Sorted
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
How are loan repayments worked out?+
With the standard formula: each repayment covers that month's interest on what you still owe, plus some of the loan, so it's paid off exactly at the end of the term.
What's the difference between a flat (add-on) rate and a normal rate?+
A flat or add-on rate charges interest on the full amount for the whole term, even as you pay it down, so the real yearly cost is close to double the quoted rate. Tick that option to see the real rate.