Hybrid car loans, sorted.

Considering a hybrid? Whether it's a plug-in, mild hybrid, or full hybrid, we'll assess your situation and match you with a suitable lender to help get you behind the wheel.

Approval is subject to responsible lending inquiries.

Hybrid Car Loan
Ways to borrow

Hybrid Car Loans – What you need to know

A hybrid car loan is designed to help you make the move to a more fuel-efficient vehicle without paying the full price upfront. Whether you're buying new or picking up a quality used model, we'll assess your situation and work to match you with a suitable lender. Subject to eligibility, lender criteria, and approval.

$15,000
48 months
10.95%

Hybrid Car Loan Calculator

$93

Weekly Repayments

$404

Monthly Repayments

$19,392

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totalling $640 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. For more about lender fees, click here.

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Hybrid Finance Experts

Real people and clear guidance - no finance speak or confusing jargon.

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Hybrid Loan That Fit

Finance your hybrid with a loan matched to your situation and the lender's criteria.

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Simple. Sorted

We do the heavy lifting so you can keep moving.

We help Kiwis turn "Considering It" into "Behind the Wheel"

Hybrid car loans, sorted.

A hybrid car loan lets you spread the cost of your purchase over time - so you can enjoy the fuel savings of a hybrid without stretching your budget upfront. Whether you're after a practical everyday hybrid, a plug-in model, or a premium hybrid SUV, we'll assess your situation and work to match you with a suitable lender. Subject to eligibility, lender criteria, and approval.

Hybrid car loan

FAQ

Hybrid car loans — What you need to know
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 get a loan for a used hybrid car?

We can help finance both new and used hybrid vehicles. Whether you're buying from a dealership or a private seller, we'll assess your situation and work to match you with a suitable lender. Subject to eligibility, lender criteria, and approval.

How much can I borrow for a hybrid car loan?

The value of the hybrid, your income, and your credit history will all influence how much you can borrow. Loan amounts are tailored to your situation and borrowing capacity. Subject to lender criteria and approval.

Are interest rates different for hybrid car loans?

Not necessarily - hybrid car loans are assessed in much the same way as standard car loans. Your rate will be personalised based on your credit history, income, and loan details. Some lenders may look favourably on hybrid vehicles given their resale values and growing demand. Subject to lender criteria.

How does the application process work?

Our process is designed to be straightforward. Once you've submitted your application and provided the required documents, we assess your situation and work to match you with a suitable lender from our panel. Timeframes can vary depending on the complexity of your application and the lender's requirements. Subject to approval and lender criteria.

Can I get a hybrid car loan with bad credit?

We work with lenders who look at the full picture, not just your credit score. If you have a steady income and meet responsible lending criteria, there may be options available. Interest rates may be higher for lower credit profiles, but getting started and keeping up with repayments can also help rebuild your credit over time. All lending is subject to eligibility, lender criteria, and approval.

Do I need a deposit for a hybrid car loan?

Not necessarily - many lenders will finance up to 100% of the vehicle's value. However, putting down a deposit can strengthen your application, reduce your loan amount, and may help you get a lower interest rate. Subject to eligibility and lender criteria.

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.