Vehicle loans for every kind of ride.

Whatever you're buying and wherever the road takes you — we help arrange vehicle loans suited to your situation, with clear steps, upfront costs, and repayment options that work for your budget.

Approval is subject to responsible lending inquiries.

Vehicle finance(1)
Ways to borrow

Vehicle loans, on your terms

Whether you're after something practical for the daily commute or ready to invest in a bigger purchase, a vehicle loan can help you get moving without paying the full amount upfront. We assess your situation and work to match you with a suitable lender from our panel.

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Loan Term

Choose a repayment period that suits your lifestyle - from a quick one-year term to a more relaxed five-year plan. 

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Loan Amount

Whether you're after something modest or making a bigger move, loan amounts are tailored to your needs and borrowing capacity. Subject to lender criteria and approval.

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Loan Repayments

Weekly, fortnightly, or monthly - pick the schedule that matches your cash flow. 

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Loan Interest Rates

Rates are personalised based on your credit history and loan details. See Loan Information below.

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Loan Fees

Upfront and ongoing fees spelled out clearly before you proceed. 

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Guided from start to finish

We keep you in the loop at every stage - clear guidance from your first enquiry through to lender approval. Subject to eligibility, lender criteria, and affordability tests.  

$15,000
48 months
10.95%

Vehicle 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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Vehicle Finance Experts.

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

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Vehicle loans that fit.

Get behind the wheel with a vehicle 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 "tyre kicking" into "on the road."

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Start online

Tell us what you need - our online application is straightforward and takes just a few minutes to complete.

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We do the searching for you 

We assess your situation and work to match you with a suitable lender from our panel, based on your circumstances and the lender's criteria.

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Get on the road

Once your lender approves your loan and everything is finalised, you're ready to go. Subject to eligibility, lender criteria, and approval.

Vehicle finance, sorted

A vehicle loan lets you spread the cost of your purchase over time with regular repayments - so you don't have to drain your savings to get what you need. Whether it's a car for the family, a ute for work, a camper for the open road, or something with a bit more thrill, we'll assess your situation and work to match you with a suitable lender. Subject to eligibility, lender criteria, and approval.

Vehicle Loans

FAQ

Vehicle 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.

What types of vehicles can I finance?

We can help finance a wide range of vehicles — including cars, utes, vans, trucks, motorbikes, caravans, boats, and more. Whether you’re buying new or used, from a dealer or a private seller, we’ll assess your situation and work to match you with a suitable lender. All lending is subject to eligibility, lender criteria, and approval.

How much can I borrow for a vehicle loan?

Loan amounts typically range from $3,000 to $250,000 or more, depending on your financial profile and the lender’s criteria. The value of the vehicle, your income, and your credit history will all play a part in determining how much you can borrow. Lending is subject to approval and 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 vehicle 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.

What loan terms are available for vehicle loans?

Loan terms generally range from one to five years. A shorter term means higher repayments, but less interest paid overall. A longer term lowers your regular payments but may cost more in total interest. We’ll help you find the right balance for your budget. Subject to lender criteria and approval.

Do I need a deposit for a vehicle 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 secure a more competitive 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.