From MoneyHub to better finance™ -explore car loan options

You’ve done the homework on MoneyHub. Now we’ll walk you through car-finance choices - what they mean, what they cost, and how they might fit.

Money Hub

Understanding your options

The key factors behind price and repayments

With the MoneyHub overview in hand, here are the practical levers that shape price and repayments - so you can choose with confidence.

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Loan Term

From 1 to 5 years (or more). Shorter terms cost less interest overall; longer terms lower the repayment amount.

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Loan Amount

From $3,000 up to $250,000 (or more). Borrow what fits the vehicle and your budget.

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Loan Repayments

Weekly, fortnightly, or monthly—set the rhythm that works for your cash-flow.

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Loan Interest Rates

Personalised to your profile (credit, income, vehicle, term). See current interest rate ranges below.

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Loan Fees

No hidden extras. We itemise establishment, introducer and PPSR fees upfront.

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Loan Planning

Want to pay it off faster or add a buffer? We’ll help you structure the loan for smart, stress-lite borrowing.

$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, straight talk. We translate lender-speak into clear options and next steps.

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Smarter Car Loans

MoneyHub readers start with an edge. We add tailored offers, a soft check at application, and transparent pricing.

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Fast. Simple. Sorted.

Minimal paperwork, quick decisions, and digital acceptance. We keep things moving from start to finish.

Came from MoneyHub? You’re already ahead - here’s how we get you on the road faster.

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Apply online — it’s fast 

Kick things off in ~3 minutes. A simple online application gets the wheels turning.

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We do the first lap for you 

We compare a range of NZ lenders to find options that fit your profile and vehicle plans.

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Approval on the fast track

Once we’ve got what we need, we move quickly. You’ll see clear terms before you commit.

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Funds — fast

Have documents ready by midday? Same-day approval is often possible, with payout as soon as 24 hours after application (or less) when everything checks out.

Build a car loan that fits

Ready to sort the finance piece? Pop in a quick application and we’ll show you clear pricing with repayment estimates, so you can see what fits. Sense-check the cost, and move forward when you’re comfortable.

Money Hub

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?

Usually yes. Some lenders charge early-repayment or break fees. Make sure you know any costs upfront so you can decide if early payoff stacks up.

How much can I borrow to buy a car?

That depends on your income, expenses, credit profile, and the vehicle. Indicatively, loans range from $3,000 to $250,000+. Apply and we’ll confirm a personalised amount and repayments (subject to approval).

Will applying affect my credit score?

Starting your application with us uses a soft check - no impact. A full credit check only happens when a chosen lender proceeds with assessment.

Do I need a deposit?

Not always. Zero-deposit options may be available depending on your profile and the vehicle. Repayments and interest may be higher without a deposit. Responsible-lending checks apply.

How fast is approval and payout?

Often same-day approval is possible. If documents are ready and verified, payout can be within 24 hours. Timing varies by circumstances.

What documents will I need?

NZ photo ID, proof of address, income evidence (recent payslips or bank statements), and vehicle details. Self-employed applicants may be asked for IRD summaries or financial statements.

See your options - apply in 3 minutes

Approval is subject to lending criteria and an affordability assessment. Terms and conditions apply.

*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, the security provided, and is determined by the lender. 

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. Our lender will independently assess whether you are eligible for a loan.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.