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 can be convenient but isn't always the best rate. Getting pre-approved for your own loan means you know exactly what you can afford and can negotiate on price like a cash buyer. We can arrange pre-approval for you.
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

As first-home buyers, we were both excited and anxious - but we had the absolute pleasure of working with Johnny, who provided us professional and expert advice towards achieving our goal and made our experience less stressful! From our very first meeting with Johnny, he took the time to understand our needs, answer every question (no matter how small), and guide us with patience and clarity. Johnny is incredibly an expert advisor who helped us navigate each step with confidence. What truly stood out was Johnny's excellent customer service, responsiveness, and genuine care. We never felt rushed or pressured. He made us feel supported, informed, and truly cared for throughout the entire process. Thanks to Johnny, we found the home we absolutely love, and the entire journey felt smooth and well-managed. We’re so grateful to have him by our side for such a big milestone in our lives. If you’re looking for someone who is professional, kind, and truly exceptional at what they do, we highly recommend Johnny!

Kitt and Jean

Johnny AngkiriwangJohnny Angkiriwang

Johnny is such an incredible advisor with extensive knowledge. In the journey of purchasing our first house, he guided us from the beginning until the settlement date. He made it very easy for us, we just submitted few documents and he did the rest. Really passionate answering every queries we had. We ended up got really great deal and the lowest interest rate from the bank. Two thumbs up, definitely will recommend Johnny to our relatives and friends! :))

Giovan Setiawan

Johnny AngkiriwangJohnny Angkiriwang

Can't recommend Christiana highly enough! From the very beginning she has been so helpful and proactive. I'm very impressed that she always made time to respond to any questions promptly no matter the time/day. Thank you so much for your amazing service and genuine care, you have made the entire experience smooth and stress free.

Ready to Get Started?

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