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Want real buying power when you're out shopping for your next car? Get pre-approved finance from Car Money

Apply online with us and we'll go to work to get a loan approved. Standard lending criteria apply.

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Confirm your loan offer and understand the approval before you commit.

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We were the first car specialists online, we deliver fast turnaround times and same day settlement.

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Applying for loans with multiple lenders can negatively impact your overall credit score. We know our lenders and generally get approval first time without shopping around.

A team member will be dedicated to your application and always has your interests at top of mind. We'll make sure you're well looked after every step of the way.

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loan works v2 How do car loans work?

We do a huge volume of car loans every year.

Check our summary of how car loans work - the repayment options you have and other detail to keep you in the driver's seat. For example: how interest and repayment terms work; fees and terms; all the nitty gritty.

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currency How to avoid buying a lemon

We do a huge volume of car loans every year.

Many Kiwis have bought used vehicles which have turned out to be less than they expected. The AA offers some advice on how to avoid buying a lemon. The AA offers full bumper-to-bumper examinations at centres nationwide and also pre purchase inspections at the location of the seller.

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*Fixed interest rates for vehicle and personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 

Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer.

Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.

One hour application decision subject to affordability test, the applicant meeting the lending criteria and supplying all the required information to process the loan application.

Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.