Vehicle Loans

Car Finance

You may have found the perfect car and you’re wondering “can I 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.

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The easiest car & vehicle finance in New Zealand

We make it easy for you

With flexible car finance repayments and terms, whether you’re looking at used cars, new cars, cheap cars or your dream car.

We look beyond your credit rating

We prefer to look at the security you have rather than your income. If you’re applying for bad credit car loan, we’re still interested.

We've got better car loan interest rates

Why pay more through other car finance companies? Our offering holds up against any of the ‘big players’, ANZ, AA, Westpac, ASB, Go Car Finance, etc.

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

Car Finance NZ

Our car loans also apply to people wanting auto financing for 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 no deposit, secured 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 vehicle finance loan applications from people anywhere in New Zealand, not just Christchurch. This means car loans in Auckland, Wellington, Hamilton, Tauranga, etc.
  • We have cheaper interest rates than our competitors, meaning we offer genuine low interest car finance. 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.

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Getting on the road easy, just fill out our online loan application form

If you have any questions,

we're here to help.




Get in touch with one of our

friendly team members today.

We respond to requests immediately, so we’ll get back to you super fast to discuss your request. In the meantime, check out our answers to common questions.


See some amazing feedback by Katrina about team member Tiff and the excellent experience she had with Crester Credit, a truly timely connection.

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