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

Very nice and easy process due to a nice and constant back and forth. Allowing a total and clear understanding

Maxime Savoie

Stephane SkowronskiStephane Skowronski

Cindy is such a brilliant broker who is referred by my best friend. In the first face to face meeting with Cindy, I told her about my financial situation and what kind of house I want to buy, Cindy made a full analysis and provided me some suggestions. I was so impressed with the way Cindy handled the meeting. I liked the way that Cindy presented all the relevant facts to me. Her analytical skills have been invaluable in making my project a success. When I asked questions or needed any kind of help, Cindy was very happy to offer assistance. She never said no to taking additional responsibilities and I liked that about her. Her problem-solving skills were so incredible. Thank you for taking out her precious time in solving my problems and explaining everything in details to me. I admired the way she solved problems encountered. Cindy worked so hard on my project. I enjoyed working with her because of the unique skill set and perspective she brought to the project. Thank you for her efforts and smiling face. Her positive attitude was contagious. I was so grateful that Cindy not only helped me achieve what I want, but I also learned a lot from Cindy. Really appreciated!

Wenjin LIN

Cindy HuangCindy Huang

Stephane was great to work with. He made navigating our first home loan and purchase easy. He made the time to explain the process and answer any questions we had in a clear but detailed way. He was very responsive and had our best interest at the fore. Would definitely recommend.

Ready to Get Started?

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