Buy your dream vehicle with low interest | CarMoney » Car Money

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

Apply online with us and we'll go to work to find the best lender for your needs and at a rate you can afford. Standard lending criteria apply.

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GET THE BEST INTEREST RATE

You're always on the winning side, because we guarantee the best interest rate in the market, or the first $500 of your loan is on us.

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WE ARE THE BEST. BUT WHY?

We've got years of experience in finding our customers the best finance deals possible from a range of trusted Kiwi lenders.

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STOP! CHECK BEFORE YOU SHOP

We're able to check lending requirements against your ability to service the loan without negatively affecting your credit score.

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.

Find out more

currency How to avoid buying a lemon

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.

Find out more

IMPORTANT INFORMATION

*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.

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