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What to expect
Helping you make it happen
Simple Application
Simple online application. Quick response from our team and swift lending decisions. We won't keep you waiting.
Expert Help
We're a team of 20+ advisers, available 7-days a week to help Kiwis make good borrowing decisions.
Clarity & Certainty
Enjoy the predictability that comes with fixed rates. Budget with confidence and avoid surprises down the road.
Calculate your repayment estimates and more.
Get moving with
hassle-free finance
Whether it’s a car, bike, or boat, we’re here with fast, flexible vehicle loans to help you hit the road (or waves) in no time.
- Apply in minutes
- Vehicle loans for cars, bikes, boats and more
- Fast application decisions
- Fixed interest rates
- No deposit finance available
- Funds transferred in as little as 24 hours
- 20+ financial advisers here to help
- Smart technology to assess your application faster
- *Lending criteria, including affordability assessment applies.
FAQ
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.
How do vehicle loans work?
A vehicle loan gives you the funds needed to buy the car or other vehicle you have in mind. You then pay that amount back over time in set repayments. Since the loan is typically secured against your vehicle, it’s vital to keep up with repayments—otherwise, you risk losing the vehicle.
What are the interest rates for vehicle loans?
Interest rates can differ based on things like your credit background, income, and the type or value of the vehicle you’re purchasing. Having a strong credit history may help you secure a more favourable rate.
Are there fees for vehicle loans?
Depending on the lender, you might run into charges like a setup fee, a broker fee, or regular account costs. It’s good practice to check for these fees ahead of time so you aren’t caught off guard. You can learn more about lender charges [here], and how we receive compensation here.
Can I get a vehicle loan without a deposit?
In many cases, yes—some lenders do offer loans that cover 100% of the purchase price. Approval will depend on the lender’s requirements and your eligibility.
How long does it take to get a vehicle loan?
The approval process can be quite fast, with many applicants receiving the green light the same day they apply. Once you’re approved, the funds are often released within 24 hours.
Can I refinance an existing vehicle loan?
Absolutely. Refinancing can make sense if you’re after lower repayments, a change in your interest rate, or a new loan term that better suits your financial situation.
Will applying for a vehicle loan affect my credit score?
Initially, lenders usually perform a “soft” check, which doesn’t impact your credit score. A full credit inquiry only happens after you decide to proceed with the loan, which may then show up on your credit file.
What happens if I miss a repayment?
Falling behind on a payment could lead to extra charges and might negatively affect your credit. It’s best to let your lender know right away if you’re having trouble, so you can work out a suitable plan together.