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

Matthew Grace wasn’t just a mortgage broker…o no! Add “/Peace of Mind Merchant”. On the myriad of hurdles to jump not related to mortgage broking AND the stress, he was an absolute rock of knowledge, guidance and counsel in the storm that was our house buying experience! Empathetic, calm, professional and a champion bloke. Not a stretch for me to say, we probably wouldn’t be in this wonderful position today had it not been for this man. Thanks Matthew!!

Alan Hooper

Matthew GraceMatthew Grace

Hats off to Nicola Winters for helping us purchase our very first home. The process itself is overwhelming and not to mention the roller coaster ride of emotions that come with it but she made it so smooth from applying for pre-approval from the bank until our settlement day. Grateful to have her as our MA! 🙌 Very approachable and understanding and never intimidating. We highly recommed her to our friends who are planning on buying a house. We would rate our experience as 10/10 🥳

Roger was amazing and made our dream come true after being declined by another mortgage company who didn’t even give us a chance. Roger was prepared to put the extra time in and make it work for us. We are now comfy, happy and secure in our first home. Thank you for making our dream come true.

Emma Hudepohl

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.