Loan calculators for New Zealand
Car loans, personal loans and paying off debt.
- 6 free calculators
- Updated for 2026–27
- Official figures, no sign-up
Calculators
- Car Loan Your weekly, fortnightly or monthly repayments and total interest.
- Personal Loan Your weekly, fortnightly or monthly repayments and total interest.
- Credit Card Repayment When you’ll be debt-free, and what minimum repayments cost.
- Student Loan Repayment Your repayments in New Zealand or overseas, and how long until the loan is gone.
- Debt Payoff Clear several debts faster: snowball or avalanche, and your debt-free date.
- Car Affordability The most a car can cost for the monthly payment that fits your budget.
Guides
All New Zealand guides- Loans & credit Student loan repayments in New Zealand How much you repay on your student loan from your pay in 2026–27: 12 cents for every dollar over $24,128, with examples, second jobs and moving overseas. Read the guide
- Loans & credit How to build a credit history from scratch in New Zealand New to credit? What builds a credit history in New Zealand, how long things stay on your credit report and how to check it free. Read the guide
- Loans & credit Buy now, pay later in NZ: costs, credit and the rules How buy now, pay later works in New Zealand, what it costs when you miss a payment, how it affects your credit and a home loan, and the rules that protect you. Read the guide
- Loans & credit Credit scores in NZ: what affects yours and how to raise it How credit scores work in New Zealand, the three credit bureaus, what lenders look at, how to check your report free and how to improve your score. Read the guide
- Loans & credit Help with debt in NZ: free advice and formal options Where to get free, confidential help with debt in New Zealand, how to ask lenders for hardship help, which bills to pay first, and the formal debt options. Read the guide
- Loans & credit How to pay off debt in New Zealand: avalanche or snowball? How to pay off several debts in New Zealand: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide