Car loans

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Interest rates and repayment amounts are supplied by the provider based on a $10,000 loan over a 5 year term.

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NZ Car Finance
Credit Simple EXCLUSIVE
Buy with confidence with pre-approved car finance
We shop around so you get the best car finance deal to meet your needs. Get a loan from us and go in the draw to win either of a) $1,500 Flight Centre travel gift card or b) 55" flatscreen Smart TV. Ts and Cs apply.
Interest rate
From 9.95% p.a.
Minimum loan amount
$3,000
Monthly repayment
$212
Product disclaimer
Normal lending criteria, terms, conditions and fees apply including an establishment fee and introducer fee totalling $270 and a PPSR fee of $10. Interest accrues from the date the loan is advanced, even during the no repayments period. The actual fixed annual interest rate charged to you will depend on your personal circumstances. Fixed annual interest rates range from 9.95%. Minimum loan amount is $3,000.
UDC Finance
HOT OFFER
9.95% p.a. fixed for the life of the loan
Up to 100% finance for new and used cars; Flexible loan terms from 1 to 5 years; Same day approval available for most applications made during business hours, Monday to Friday; Simple online application process
Interest rate
9.95% p.a.
Minimum loan amount
$10,000
Monthly repayment
$220.16
Product disclaimer
9.95% p.a. interest rate is fixed for the term of the loan, up to 5 years. An establishment fee of $175 and a PPSR fee of $10.35 applies. This offer is available from 15 March to 15 April 2019. The $220.16 monthly repayment estimate is based on a $10,000.00, a 5 year term and includes fees of $185.35 (a loan establishment fee of $175, the PPSR fee of $10.35) and a monthly maintenance fee of $4. UDC Finance Limited standard terms, conditions and lending criteria apply.
NZCU Baywide
Is it time for a new vehicle?
Talk to NZCU Baywide before you start looking and you could be shopping with cash. Vehicle loans secured from just 13.90% p.a.*
Interest rate
13.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$232.22
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 13.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
NZCU Baywide
Is it time for a new vehicle?
Is it time for an upgrade? Apply now for NZCU Baywide’s secured vehicle loan from just 8.90% p.a.*
Interest rate
8.90% p.a
Minimum loan amount
$2,000
Monthly repayment
$207.13
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 8.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change. CANSTAR 5 star rating has been awarded for our orange personal loan rates.
NZCU Baywide
Is it time for a new vehicle?
Maybe you need an upgrade? Talk to NZCU Baywide before you start looking and you could be shopping with cash. Vehicle loan secured from just 17.90% p.a.*
Interest rate
17.90% p.a.
Minimum loan amount
$2,000
Monthly repayment
$253.47
Product disclaimer
*Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. Comparison rate and monthly repayment amount are calculated based on a $10,000 loan amount, variable rate over a 5 year loan period at an interest rate of 13.90% p.a. and are indicative only. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees are subject to change.
Finance Direct
Finance the vehicle you’re after without the hassle
Use Finance Direct to buy passenger vehicles, trucks, trailers, motorbikes, caravans, motorhomes ... anything with wheels, whether privately or through a motor trader!
Interest rate
From 9.95% p.a.
Minimum loan amount
$2,000
Monthly repayment
$227.82
Product disclaimer
Terms, conditions and normal credit criteria apply. Documentation fee minimum of $250 to a maximum of $1,450 will apply based on loans of $2,000 to a maximum of $500,000.
AA Finance
Car loans from a trusted Kiwi brand
Get fixed annual interest rates from 9.95%* with fast approval in only one hour. Plus, give the budget a breather: You can optionally choose to make no repayments for three months. Conditions apply.
Interest rate
From 9.95% p.a.
Minimum loan amount
$5,000
Monthly repayment
$212
Product disclaimer
Normal lending criteria, terms, conditions and fees apply including an establishment fee and introducer fee totalling $220 for AA Members (or $270 for non AA Members) and a PPSR fee of $10. Interest accrues from the date the loan is advanced, even during the no repayments period. The actual fixed annual interest rate charged to you will depend on your personal circumstances. Fixed annual interest rates range from 9.95% p.a. to 15.95% p.a. Minimum loan amount is $5,000.
NZCU South
Motor Vehicle loans available from 9.95% p.a
Get your preapproved loan before you go car shopping. NZCU South offer Motor Vehicle loans from 9.95% p.a. Apply online today
Interest rate
9.95% p.a.
Minimum loan amount
$5,000
Monthly repayment
$212.22
Product disclaimer
Loans rates from 9.95% p.a. Important terms and conditions, including lending criteria, fees and charges apply.  Minimum loan value $5,000 for the 9.95% p.a. rate. Other rates available for loans $1,000 - $4,999.  Finance provided by Credit Union South, trading as NZCU South.
Harmoney
Low rate car loans to get you there faster
  •  Get cash-buyer confidence at the car yard
  •  Fast, easy and 100% online
  •  No hidden or early repayment penalties
With a simple 100% online application process, quick approval & funding, we get you moving.
Interest rate
6.99% p.a. - 29.99% p.a.
Minimum loan amount
$1,000
Monthly repayment
$207.86
Product disclaimer
*Based on a 5 year term. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.
Sprint Finance
All Credit Types. All Licence Types
Our technology links your profile with the right lender so you get the best rate. Guaranteed* Interest rates from 9.95% p.a. 100% online. 60 second decision. $250 cash back with every loan.
Interest rate
From 9.95% p.a. to 23.95% p.a.
Minimum loan amount
$3,000
Monthly repayment
$212.22
Product disclaimer
Monthly repayment calculation is based on $10,000 over a 5 year term at an example rate of 9.95% p.a. The actual interest rate offered will depend on your personal circumstances, the type of lending required and the security provided. Normal lending criteria, terms, conditions, and finance company establishment fees apply. Please refer to https://sprintfinance.co.nz/promotions/ for $250 Cash Back Terms & Conditions.
Lending Crowd
Finance the vehicle you’re after without the hassle 100% online
Use Lending Crowd to buy passenger vehicles, trucks, trailers, motorbikes, caravans, motorhomes ... anything with wheels, whether privately or through a motor trader!
Interest rate
From 6.89% p.a. up to 18.96% p.a.
Minimum loan amount
$2,000
Monthly repayment
$211.60
Product disclaimer
Terms, conditions and normal credit criteria apply. A platform fee minimum of $250 to a maximum of $1,450 will apply based on loans of $2,000 to a maximum of $200,000.

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