Car loans made clear.

Ready to buy? We can help arrange a car loan suited to your situation - clear steps and upfront costs.

Car Loans

Ways to borrow

Car Loans – The nuts and bolts

A car loan can help you get behind the wheel of the vehicle you need, without having to come up with the full purchase price upfront. Instead of draining your savings, a car loan lets you spread the cost over time with manageable repayments. This can make a vehicle more accessible and affordable, especially if you need something right away.

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Loan Term

Pick your speed - anything from a one-year sprint or a leisurely five-year cruise.

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Loan Amount

Whether you’re shopping for your first set of wheels or a investing in large family car, we can help. We have options from $3,000 up to $250,000 (or more). 

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Loan Repayments

Weekly, fortnightly, or monthly - whatever matches your pace. 

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Loan Interest Rates

Competitive rates personalised to your profile and loan details. See 'Loan Information' section below.

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Loan Fees

Upfront and ongoing fees spelled out clearly before you proceed.

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Fast Approval

Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies. 

$15,000
48 months
10.95%

Loan Calculator

$92

Weekly Repayments

$400

Monthly Repayments

$19,200

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totaling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

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Car Finance Experts

Real people and solid advice – no finance speak or confusing jargon. Because a loan isn’t just about the car; it’s about the freedom the car brings.

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Smarter Car Loans

Get behind the wheel faster with lightning-quick car loan options, no impact on your credit score at application, and fixed rates for peace of mind.

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Fast. Simple. Sorted.

We do the heavy lifting so you can keep moving — no paperwork headaches, no waiting around, just a smooth ride from start to finish.

We help Kiwis turn “Tyre Kicking” into “On The Road.”

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Apply online — it’s fast 

Get your car purchase rolling in just three minutes. A simple online application is all it takes to get things moving.

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We do the first lap for you 

We’ll check with a range of lenders to find options that give you the right options for your unique ride.

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Approval on the fast track

Once we’ve got everything, we move fast. Because we know you’re ready to get behind the wheel.

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Funds — fast

Got your documents ready by midday? You could receive your car loan that very same day — and be on the road.

Car loans without the hassle

A car loan can help you buy a vehicle without needing to pay the full amount upfront. Instead, you borrow the money and pay it back over time in regular instalments. Whether you're after your first car, a family upgrade, or something more fun, a car loan can make it easier to get on the road sooner - without blowing your budget.

Car Loans

FAQ

Car loans - the details
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.

Can I pay off my car loan early?

Yes, you can usually pay off a car loan early. However, check your loan agreement first — some lenders charge early repayment fees or penalties. Paying off early can save you money on interest, especially if your loan doesn’t have a prepayment penalty.

How much can I borrow to buy a car?

The amount you can borrow depends on several factors, including your income, credit history, existing debts, and the lender’s criteria. Our lenders offer car loans from around $5,000 to over $250,000. 

How do I calculate car loan interest?

Want a feel for repayments at different amounts, terms and rates? Use the calculator to see a few scenarios.
Heads-up: Results are a guide only. Your actual rate, fees and repayments are set after we assess your application. See Loan Information below for details.

What is a good interest rate for a car loan?

A good interest rate varies depending on your credit score, income, and whether the car is new or used. New car loans typically have lower rates than used car loans. We can help you shop around and compare lenders to find the best rate available for your profile.

Loan Information


Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. Fixed interest rates for personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required and the security provided.

Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.

Approval is subject to meeting lending criteria, and affordability test applies.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.