Car Loan

Get behind the wheel faster with flexible car finance tailored to your needs. Whether it’s your first car or an upgrade, we make it simple and stress-free.

Start With a Free Custom Quote

Let’s get you on the road sooner — share your details and one of our finance experts will be in touch with tailored options that fit your lifestyle. No pressure, no jargon — just smart car finance made simple.

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Your Loan Details

Loan Amount: $10,000

Interest Rate (%): 12.99%

Loan Term (Years): 5

Repayment Frequency

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Estimated Repayments

Repayment: $0.00 per payment

Total Interest: $0.00

Total Loan Cost: $0.00

Disclosure:
This calculator provides an estimate only and is not an offer of finance. The results are based on the information you have provided and assume a fixed interest rate for the term of the loan. Actual interest rates, fees, and repayment amounts may vary depending on your individual circumstances and the lender’s credit criteria. For an accurate quote and assessment, please contact us directly.

Frequently Asked Questions

Am I eligible to apply for a car loan?

If you’re over 18, earning a steady income, and living in New Zealand with valid ID, you’re most likely eligible — even if your credit history isn’t perfect.

How much can I borrow?

Loan amounts typically range from $1,000 to $100,000. The exact figure depends on your financial profile, income, and the car you’re financing.

Can I still apply with bad credit or no credit history?

Yes — we work with lenders who understand that life happens. Even if you’ve been declined elsewhere, we may still be able to help.

Can I apply if I’m on a visa, benefit, or learner licence?

Absolutely. Every lender is different, but we have access to options for applicants on work visas, receiving benefits, or holding learner/overseas licences.

What interest rates can I expect?

Rates are personalised and depend on your credit score, income, loan amount, and term. We compare multiple lenders to find the best rate for your situation.

Do I need to find a car before applying for a loan?

Not at all! You can apply for pre-approval first — this gives you a clear budget and strengthens your negotiating power when you’re ready to buy. We’ll guide you every step of the way.