Mazda loan calculator in Malaysia is a financial tool designed to help potential buyers estimate their monthly payments for popular Mazda models such as the Mazda 2, Mazda 3, CX-3, CX-30, and CX-5. This calculator applies a 10 % down payment, a 3 % interest rate, and a 7-year loan period, using 2025 on-the-road prices as a benchmark. For example, if you’re interested in the Mazda CX-5, priced between RM 143,300 and RM 187,200, the estimated monthly payments would be approximately RM 1,704 to RM 2,226.
The entry-level Mazda 2, with an OTR price of around RM 108,000, would translate to a monthly payment of roughly RM 1,284. Looking at the Mazda 3, which spans from RM 118,000 for the new 1.5 L variant to about RM 174,000 for higher-spec Liftback versions, the monthly outlay falls in the RM 1,403 to RM 2,069 range. The compact-SUV CX-3, priced between RM 115,000 and RM 138,000, would see payments of about RM 1,368 to RM 1,641, while the stylish CX-30, listed from RM 131,000 to RM 159,000, would cost roughly RM 1,558 to RM 1,891 per month.
Mazda Auto Hire Purchase Calculation and Monthly Installment
How Does the Mazda Loan Calculator Work?
The Mazda loan calculator works by inputting specific variables related to the purchase of a car. These variables include the price of the car, the percentage of the down payment, the interest rate, and the loan tenure. For example, if you are interested in the Mazda 2 Sedan, priced at RM 100,870, the calculator will help you determine that with a 30% down payment and a 3% interest rate over 7 years, your monthly payment will be approximately RM 1,017. This calculation process allows potential buyers to budget effectively before making a purchase decision.
What Are the Calculated Monthly Payments for Different Mazda Models?
The monthly payments for different Mazda models vary based on the car’s price. Below are some examples calculated using the standard assumptions of a 30% down payment, a 3% interest rate, and a 7-year loan period, based on the category of sedan/hatchback, SUV, pickup and EV.
Mazda Sedan & Hatchback
The monthly payments for Mazda’s sedan and hatchback models are estimated using a standard loan assumption of 10% down payment, 3% interest rate, and a 7-year tenure. The Mazda 2 Sedan and Mazda 2 Hatchback fall within an estimated range of RM1,183 to RM1,187 per month. For the Mazda 3 Sedan, buyers can expect monthly payments between RM1,747 and RM1,934, while the Mazda 3 Hatchback is slightly lower, at RM1,681 to RM1,889. The larger and more premium Mazda 6 Sedan typically results in monthly repayments between RM2,126 and RM2,524, depending on the variant selected.
Mazda SUV
Mazda has a range of SUVs, with estimated monthly installments calculated based on a 10% down payment, 3% interest rate, and a 7-year loan tenure. The compact Mazda CX‑3 starts at around RM1,395 per month, making it one of the most affordable SUVs in the Mazda lineup. The slightly larger and more refined Mazda CX‑30 falls within the range of RM1,558 to RM1,790 per month.
The highly popular Mazda CX‑5 is priced for repayments between RM1,788 and RM2,335, depending on the variant. For families requiring more space, the Mazda CX‑8, which offers three-row seating, comes with monthly payments estimated between RM2,065 and RM2,499. The larger and more premium Mazda CX‑9 may cost up to RM2,937 per month, depending on the specification. These SUV options cater to a wide range of preferences, from compact city driving to spacious family travel.
Mazda Pickup
The Mazda BT‑50, Mazda’s only pickup model in the lineup, combines rugged capability with everyday practicality. Based on a 10% down payment, 3% interest rate, and a 7-year loan tenure, monthly payments for the BT‑50 typically range between RM1,464 and RM1,688, depending on the selected variant.
Mazda Electric & Sports
Mazda’s electric and performance models come with slightly higher monthly commitments when calculated using a 10% down payment, 3% interest rate, and a 7-year loan tenure. The Mazda MX‑30, a fully electric compact crossover, results in an estimated monthly payment of around RM2,190. Meanwhile, the iconic Mazda MX‑5 RF, a sporty two-seater roadster, is estimated to cost between RM2,481 and RM2,830 per month, making it a compelling choice for driving enthusiasts who prioritize performance and style.
How Do Interest Rates Affect Mazda Car Loans?
Interest rates determine the total cost of financing a Mazda in Malaysia. Because Mazda is a non-national brand, banks generally quote slightly higher hire-purchase rates than they do for Perodua or Proton. As of 2025, published flat rates for new Mazda models typically sit between 3.0 % and 3.5 % per annum, though campaigns and a borrower’s credit profile can move the figure outside that band.
For example, Affin Bank advertises about 2.92 % – 3.00 %, Hong Leong Bank lists roughly 3.24 % – 3.78 %, Public Bank quotes 3.31 % – 4.10 %, while Maybank’s range starts near 3.40 %. Even a half-percentage-point change (say, from 3.0 % to 3.5 %) can add RM30–RM50 to the monthly instalment on a seven-year, RM140 000 loan, an effect that becomes more pronounced on higher-priced models such as the CX-5 or CX-30.
How Much Is the Required Down Payment for Mazda Cars?
The minimum down payment for new Mazda cars in Malaysia is generally set at 10% of the vehicle’s on-the-road (OTR) price, in line with standard car financing policies for non-national brands. For example, if you’re purchasing a new Mazda CX-5 priced at RM150,000, the minimum down payment would be RM15,000, and the remaining RM135,000 would be financed through a hire purchase loan.
However, depending on the buyer’s credit profile and the bank’s internal risk assessment, some lenders may require 15% to 20% down payment, especially for higher-value models like the Mazda 6 or CX-9.
Does Mazda Has Zero Down Payment?
Zero down payment offers are occasionally available through dealer promotions or specific bank packages. They are rare for Mazda and usually come with trade-offs such as higher interest rates, stricter approval conditions, or shorter loan terms.
What Is The Down Payment for Used Mazda Car?
For used or second-hand Mazda vehicles, the required down payment is generally higher, typically ranging from 15% to 30% of the selling price. This is due to increased risk factors such as depreciation, wear and tear, and the limited warranty coverage on older vehicles.
For instance, if a used Mazda 3 is priced at RM80,000, the upfront down payment might range between RM12,000 and RM24,000, depending on the vehicle’s age, condition, and the bank’s financing policies. Interest rates for used car loans are also generally higher than those for new vehicles, and the maximum loan tenure is usually shorter, often capped at 5 to 7 years.
How Much Is the Road Tax Calculated for Mazda Cars?
The Mazda 2 and Mazda 3 1.5L (1496 cc) incur an annual road tax of RM90, while the Mazda CX-3 and Mazda 3 2.0L (1998 cc) are charged about RM379 per year. Larger engine models such as the Mazda CX-5 2.5L (2488 cc) attract a higher road tax of around RM830 annually. The Mazda CX-9, with a turbocharged 2.5L engine, also falls into the RM830 bracket. These rates apply in Peninsular Malaysia; road tax in Sabah and Sarawak is lower due to regional reductions in base rates for East Malaysia.
In Malaysia, road tax for Mazda vehicles is calculated based on engine capacity (cc) and follows the rate structure set by JPJ (Jabatan Pengangkutan Jalan). Unlike electric vehicles that benefit from exemptions or reductions, Mazda models, being petrol-powered internal combustion vehicles, are taxed according to a progressive formula where road tax increases with engine displacement.
How Much Is the Insurance Cost for Mazda Cars?
The insurance cost for Mazda vehicles in Malaysia depends on 7 main factors, including the model, variant, vehicle value (sum insured), driver’s age, location, claims history, and the type of coverage selected (e.g., comprehensive, third-party, or third-party fire and theft). As Mazda is a non-national brand with higher market values, comprehensive insurance premiums are generally higher than those for Perodua or Proton vehicles.
On average, first-year comprehensive insurance for a Mazda 2 starts at around RM1,800, while the Mazda 3 typically costs RM2,300 to RM2,800, depending on variant and insured value. For larger models like the Mazda CX-5, premiums can range from RM3,000 to RM3,800, and for premium models like the Mazda 6 or CX-9, the annual insurance cost may exceed RM4,500. These figures are for standard coverage and do not include optional add-ons such as windscreen protection, flood coverage, or special perils.
Insurance costs can be reduced over time through the No Claim Discount (NCD) system, which offers up to 55% off premiums after five consecutive claim-free years. Prices may also vary between insurance providers, so it is advisable to compare quotes to get the best coverage for your Mazda.
Why Choose a Mazda Car in Malaysia?
Mazda cars are a popular choice among Malaysian buyers who seek a balance between premium design, reliable performance, and driving enjoyment. Unlike many mainstream brands, Mazda focuses on refined styling, advanced engineering, and driver-centric technologies such as its signature SkyActiv engine platform and G-Vectoring Control system, which deliver a smooth and engaging driving experience.
Models like the Mazda 2, Mazda 3, CX-3, and CX-5 are known for their fuel efficiency, responsive handling, and upscale interior finishes, making them attractive options for urban professionals and small families alike. The Kodo design language, with its sleek curves and minimalist elegance, gives Mazda vehicles a sophisticated and timeless appeal.
Mazda Malaysia (under Bermaz Motor) also offers robust after-sales support, including a 5-year manufacturer’s warranty, a complimentary maintenance package, and a growing network of service centres across the country. This combination of performance, quality, and ownership support makes Mazda a compelling alternative to both national brands and entry-level luxury marques.