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🚗 Mazda Car Loan Calculator

Mazda Car Loan Calculator Malaysia 2026

Calculate your monthly hire purchase instalment for Mazda CX-5, CX-30, CX-60, Mazda 3. Rates from 2.30% p.a. Instant results.

Calculate Your Monthly Instalment

= RM 8,907
0%10%50%
2.50%
1.5%2.50%5.0%
7 years
1 yr7 yrs9 yrs

Monthly Instalment

RM 1,121.29

per month for 7 years

Loan Amount

RM 80,160

Down Payment

RM 8,907 (10%)

Total Interest

RM 14,028

Total Payment

RM 94,188

Approx. EIR

~4.63% p.a.

Based on hire purchase flat rate. Actual rate subject to bank approval, credit score, and age of car.

Popular Mazda Models — Monthly Instalment at 2.50%, 10% Down, 7 Years

Pre-calculated estimates. Use the calculator above to customise.

ModelOTR PriceDown (10%)Monthly
Mazda 2 1.5 HatchbackRM 89,067RM 8,907RM 1,181/mo
Mazda CX-30 2.0 GVCRM 131,000RM 13,100RM 1,737/mo
Mazda CX-5 2.0 CoreRM 148,015RM 14,802RM 1,963/mo
Mazda CX-5 2.5 Turbo AWDRM 186,650RM 18,665RM 2,475/mo
Mazda CX-60 PHEVRM 200,510RM 20,051RM 2,659/mo
Mazda CX-8 2.5 2WDRM 218,400RM 21,840RM 2,896/mo

Mazda CX-60 PHEV plug-in hybrid may qualify for green financing rates from 1.75% p.a. (Maybank).

Car Loan Interest Rates 2026 — Major Banks

BankNew Car RateUsed Car RateMax Tenure
Maybankfrom 2.30%from 2.70%9 years
CIMBfrom 2.55%from 3.20%9 years
Public Bankfrom 2.50%from 3.00%9 years
RHBfrom 2.60%from 3.18%9 years
Hong Leongfrom 2.55%from 3.25%9 years
AmBankfrom 2.50%from 3.10%9 years

Rates subject to Bank Negara OPR and individual credit profile. PHEV/EV models: green financing from 1.75% (Maybank).

What is Effective Interest Rate (EIR)?

Banks quote hire purchase rates as a flat rate — calculated on the full original loan regardless of the reducing balance. The EIR (Effective Interest Rate) reflects the true cost of borrowing. Estimate: EIR ≈ flat rate × 1.85. Example: flat rate 2.50% p.a. ≈ EIR ~4.63% p.a. Always compare EIR across banks for an accurate cost comparison.

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Mazda Car Loan FAQ — Malaysia

What is the monthly instalment for a Mazda CX-5 in Malaysia?
Mazda CX-5 2.0 Core at RM148,015 with 10% down at 2.50% for 7 years = approximately RM1,963/month. The top-spec CX-5 2.5 Turbo AWD at RM186,650 works out to about RM2,475/month. Both are considered premium SUVs — budget at least RM5,000–6,000 net salary for comfortable financing.
Is Mazda expensive to finance in Malaysia?
Mazda sits in the premium non-national bracket — CX-30 from RM131,000, CX-5 from RM148,015, significantly more than Proton/Perodua equivalents. Monthly instalments are 1.5–2× higher. However, Mazda models hold their resale value relatively well compared to other non-national brands, making total ownership cost more competitive.
What is the Mazda CX-60 monthly instalment?
Mazda CX-60 2.5 e-Skyactiv PHEV at RM200,510 with 10% down (RM20,051), at 2.50% p.a. for 7 years = approximately RM2,659/month. As a PHEV, it may qualify for green financing rates — at Maybank's 1.75%, the monthly drops to approximately RM2,411/month.
Mazda CX-5 vs Mazda CX-30 — which is better value?
CX-5 2.0 Core (RM148,015) vs CX-30 2.0 top (RM159,000) — the CX-5 is surprisingly close in price for a larger SUV. Monthly difference is ~RM226/mo. The CX-5 offers more space and a stronger resale track record in Malaysia, making it better value for most buyers.
Can I finance a Mazda with a RM4,000 salary?
With RM4,000/month at 60% DSR (max debt RM2,400), the Mazda 2 (RM1,181/mo) is comfortably affordable. The CX-30 at RM1,737/mo is feasible with no other major debts. The CX-5 at RM1,963/mo would be tight — you'd need a clean CCRIS with no other commitments, or a co-borrower.

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