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Car Loans

Finance your next vehicle with competitive rates

Car Loans

Need a new car? We can help you find competitive finance options through our lending partners. Whether you're buying from a dealer or privately, we can arrange a car loan that suits your budget.

Car finance can be confusing with dealer finance, personal loans, and secured loans all available. We can explain your options and help you find a solution with reasonable rates and terms.

We work with established finance providers who offer car loans to New Zealanders. While our primary focus is mortgages, we're happy to help our clients with vehicle finance too.

How We Can Help

Compare car loan options from multiple finance providers

Arrange pre-approval so you can shop with confidence

Explain the difference between secured and unsecured loans

Find competitive interest rates for your situation

Help with loans for new or used vehicles

Advise on loan terms and repayment structures

Handle the application process for you

Frequently Asked Questions

Car loan rates vary depending on your credit history, whether the loan is secured against the vehicle, and the loan term. Secured loans typically have lower rates than unsecured. We can get you indicative rates once we understand your situation.
Dealer finance and independently arranged lending can have different rates, fees, security and repayment terms. Comparing the total cost and conditions can help you choose an option that suits your budget.
This depends on your income, expenses, and credit history. As a rough guide, your car repayments shouldn't exceed 10-15% of your take-home pay. We can calculate an affordable loan amount for your situation.
A secured loan uses the car as collateral – if you don't pay, the lender can repossess it. This usually means lower rates. An unsecured loan has no collateral but typically higher rates. Both have their place depending on your situation.
Yes, having a mortgage doesn't prevent you from getting a car loan. However, lenders will consider your total debt when assessing your application. We can help you understand how a car loan might affect your overall financial position.

Find an Adviser Near You

We have advisers throughout New Zealand ready to help you. Select your region to find an adviser, or simply choose any region - we can process your application from anywhere using video meetings.

What Our Clients Say

“I had an excellent experience working with Nicola Winters as my mortgage advisor. From our first conversation, they were professional, knowledgeable, and incredibly supportive throughout the entire process. They took the time to explain everything clearly, answered all my questions (no matter how small), and were always easy to reach by phone or email. I really appreciated how they kept me informed at every step and made what could have been a stressful process feel smooth and manageable. Nicola also helped me navigate a few unexpected hurdles along the way with calmness and confidence. Their advice was always tailored to my situation, and I felt they genuinely had my best interests at heart. Thanks to their support, I was able to secure a great mortgage deal that fit my needs perfectly. I’m so grateful as a first home buyer and striking it lucky with an excellent mortgage advisor. If you are looking for someone who is not just professional and efficient, but genuinely kind and understanding - then Nicola is the one. Overall, I felt well taken care of and would not hesitate to recommend Nicola Winters to anyone looking for a mortgage advisor who is reliable, responsive, and truly excellent at what they do.”

“Michael was very helpful and engaging. He was available at any time and provided valuable knowledge and support. I could not recommend Michael enough. Hamish”

Hamish Corlett

Michael ShrubsallMichael Shrubsall

“Thanks to Morgage Lab and especially Roger Fairbairn - you were amazingly helpful and did a fantastic job securing my new mortgage! I can't recommend them enough :-)”

Hayley Jones

Roger FairbairnRoger Fairbairn

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.