Car Loans

You may have found the perfect car and you’re wondering “can I can do better than dealer finance?”, or perhaps you want to borrow money and go shopping for a better car. We can help with that too.


The easiest car and vehicle finance in New Zealand

  • We make it easy – with flexible repayments and terms to suit your situation.
  • We give you better interest rates – Why pay more through dealer finance?
  • We look beyond your credit rating – We prefer to look at the security you have rather than your income. If your credit rating’s not so flash, we’re still interested.
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We’ll get back to you in 60 mins. We can have the money in your account in 24 hrs.

Tips for car loans and buying a car

  • When buying a car, remember to anticipate all your costs – fuel, warrant of fitness, registration, maintenance and repairs.
  • You can always arrange your car finance in advance – this way, you can shop with confidence knowing how much you can spend. This saves time and hassle when closing the deal.
  • Ask the owner to see the current registration of the car to ensure the ownership and registration is paid up to date – this is the current owner’s responsibility.
  • Consider an extended warranty on your car – if you plan to keep it a while, it could be worth getting a little extra on your car loan for an extended warranty (also known as a service contract) in case any unexpected repairs crop up.
  • Check Car Jam for the car you’re interested in buying, to see odometer readings, market valuation and plate history.

Loans for almost any type of vehicle

Our car loans also apply to people wanting to buy new or used work vehicles, vans, trucks, motorbikes, campervans, boats and more. We lend up to half the wholesale value on new or used motor vehicles, and that value is determined via an auto check with Veda Advantage Auto Search. All vehicles must be fully insured or insurance must be prearranged before we can approve your car loan.


Did You Know?

  • More than 80% of our customers return to us for their future loans. We pride ourselves on fabulous customer service, we treat everyone with respect and love helping out wherever possible. Customer loyalty is important to us.
  • We accept loan applications from people anywhere in New Zealand, not just Christchurch.
  • We have cheaper interest rates than our competitors. Explore our Loan Rates & Fees.
  • After you submit your application, you’ll hear back from us within 60 minutes and you can have the money within 24 hours.

Should you have any questions, please feel free to contact our friendly team or view our Frequently Asked Questions.

If you have any questions, we’re here to help.
We respond to requests immediately, so we’ll get back to you super fast to chat.
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