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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

We worked with Christiana for 6 months and during that period felt well looked after the entire time. What we had been informed was normally a high stress process with many unknown variables felt under control and mostly smooth. Christiana is extremely well informed and knowledgeable about everything you need to know about finance and has a plethora of ‘A’ grade contacts ready to help with other aspects of buying a house. Christiana made herself readily contactable and was always prepared during each phase of our first home buying journey. We could not recommend Christiana enough for anyone looking at buying property…5 Stars!

Ryan Pollock

Christiana PollockChristiana Pollock

Christiana was an amazing support and soundboard. Constant communication and reassurance in a time of uncertainty. Nothing was too much and it was never too late to call. Would definitely recruit her services again. Thanks, Christiana!

Henry McLaughlin

Christiana PollockChristiana Pollock

Had a great experience working with Christiana in securing and structuring my mortgage. She was responsive and knowledgeable throughout and it just made the whole experience really easy. Couldn't recommend highly enough for anyone looking for expert mortgage advice!

Ready to Get Started?

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