3-minute quiz

Can I
Afford
This Car?

Answer 6 quick questions and we'll tell you exactly where you stand — and what to do next.

Takes 3 minutes No personal details needed Instant result

Question 1 of 6

What's the car going to cost?

Rough asking price is fine

$18,000
car price
$3k$20k$40k$60k$80k

Question 2 of 6

What's your take-home pay each month?

After tax. Include any regular income.

$4,000
monthly take-home
$1.5k$3k$6k$9k$12k

Question 3 of 6

How much do you spend each month on living costs?

Rent, food, power, phone, subscriptions, existing loans — all of it.

$2,500
monthly expenses
$500$2k$4k$6k$8k

Question 4 of 6

Got a deposit or trade-in?

What can you put towards the car upfront?

$2,000
deposit / trade-in value
$0$5k$10k$15k$20k

Question 5 of 6

How would you describe your credit history?

Be honest — this changes the result.

A
Clean — no issues
Always paid on time, no defaults
B
Mostly good
One or two hiccups but generally solid
C
A bit patchy
A few missed payments or defaults
D
Not sure / haven't checked
First loan or don't know my score

Question 6 of 6

How long have you been in your current job?

Stability matters to lenders.

A
Less than 3 months
B
3–12 months
C
1–2 years
D
2+ years

Crunching the numbers...

Working out your position

Checking income vs repayments
Weighing up credit profile
Comparing against NZ lender benchmarks

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Bro Finance Indicative only — not financial advice