The Mazda3 was Australia’s 34th best-selling vehicle in 2025, available as a hatch and a sedan, and a frequent pick for buyers who want a well-equipped small car. New Mazda3 prices run from $31,410 to $43,610, and NIK Finance compares car loans across 130+ lenders to find the right one for you.
An estimate is fine. You can change it later.
| Mazda Mazda3 | |
|---|---|
| New price (2026 range) | $31,410 to $43,610 |
| Body types | Hatchback, Sedan |
| 2025 new sales | 10,291 (34th in Australia) |
Prices are list prices from Carsguide, based on Glass’s pricing data. Drive-away prices are higher once on-road costs such as registration and stamp duty are added.
The amount you borrow sets your repayments, and on a Mazda3 it depends mostly on the variant and your deposit. These are the loan amounts before on-road costs, which some lenders let you include in the loan.
| Price point | No deposit | 10% deposit | 20% deposit |
|---|---|---|---|
| Entry price ($31,410) | $31,500 | $28,500 | $25,000 |
| Middle of the range ($37,500) | $37,500 | $34,000 | $30,000 |
| Top of the range ($43,610) | $43,500 | $39,000 | $35,000 |
The Mazda3 is one of the most traded cars on the used market, so many buyers are choosing between a new one and a few-years-old example. Lenders generally finance both, but they limit how old a car can be when the loan ends, so an older model can mean a shorter term. Private sales can be financed too, sometimes at a slightly higher rate than a dealer purchase, and the lender checks the car is free of existing finance before paying the seller.
See used car loans and new car loans.
Lenders finance used cars but limit how old a vehicle can be when the loan ends, so the model year affects the term you can get. Here is what earlier Mazda3s sell for, and how old each would be at the end of a 5- or 7-year loan.
| Model year | Used price range | Age at end of a 5-year loan | Age at end of a 7-year loan |
|---|---|---|---|
| 2023 | $21,560 to $43,560 | 8 years | 10 years |
| 2021 | $17,710 to $38,830 | 10 years | 12 years |
| 2018 | $8,910 to $32,890 | 13 years | 15 years |
Used prices are Glass’s pricing data via Carsguide and vary with kilometres, condition and variant. Read more about used car loans.
Set to the entry price of a new Mazda3. Adjust the price, deposit, term, rate and balloon to see the repayments for the Mazda3 you want. Your actual rate depends on your credit profile and the lender.
$503.51 a month at 7.5% p.a.
Car loan rates range from under 6% to over 20% depending on your credit profile, and dealer finance is rarely the sharpest. Your Kreddi Score shows your approval odds and likely rate before you apply, so a decline never lands on your credit file.
Estimates use average lender assumptions and are not an offer of credit. Your actual position depends on which of our 130+ lenders assesses you.
A new Mazda Mazda3 is listed from $31,410 to $43,610 for the 2026 range. With a 10% deposit you would borrow about $28,500 for the entry variant or $39,000 for the top variant, before on-road costs. The repayment calculator on this page shows what that costs each month at the rate you enter.
Yes. A 2023 Mazda Mazda3 sells for about $21,560 to $43,560 used. Lenders also consider how old the car will be when the loan ends: a 2023 model would be 10 years old at the end of a 7-year loan, so an older Mazda3 may mean a shorter term.
There is no fixed minimum with many lenders, but a deposit reduces the loan, the interest and sometimes the rate. Even 10% makes a visible difference, as the loan amounts on this page show.
Often, yes. Many lenders want you past probation, but some accept a recent change if you stayed in the same industry. A broker can match you to lenders whose policy fits.
Answer a few quick questions to see how lenders will view you for a Mazda3, then get a broker’s call back with real rates. No credit check.
Sources
Last reviewed 18 October 2026
NIK Finance Pty Ltd (ACN 685 393 917) is a Credit Representative (567387) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). This page is general information only and does not constitute financial advice. Consider your personal circumstances and speak with a licensed broker before applying for credit.