Compare car financing options

Find the right auto loan for your budget. Compare rates from trusted lenders.

How much do you need?

NZ$15,000

NZ$1,000 NZ$50,000

What's it for?

Auto Loan

Personal Loan

Home Loans

Refinance

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Expert reviews

Each option reviewed by our automotive finance editorial team.

Recently added

Instant Finance Debt Consolidation Loan

Instant Finance

debt_consolidation

APR: 9.95%–29.95%
Amount: NZD50,000
Term: 84 mo
Decision: Money within 24 hours of approval

This loan is best for individuals looking to simplify their finances by consolidating high-interest debts into one manageable payment.

The Instant Finance Debt Consolidation Loan offers a practical solution for managing multiple debts, but be aware of the associated costs.

SBS Bank Home Loan

SBS Bank

mortgage

APR: 4.19%–6.39%
Term: 360 mo

This loan is best for those seeking flexible mortgage terms and personalised service from a local bank. It's suitable for first-home buyers and those refinancing their existing mortgages.

SBS Bank offers competitive home loan options, making it a viable choice for many New Zealanders. However, potential borrowers should carefully consider their lending criteria and fees.

UDC Finance Car Loan

UDC Finance

car_finance

APR: 8.55%–11.7%
Amount: NZD100,000
Term: 60 mo
Decision: Apply online or through dealer network

This loan is best for those seeking a straightforward vehicle financing solution with the option to tailor repayment terms to fit their budget.

UDC Finance offers competitive car loan options with flexible terms, making it a solid choice for potential borrowers in New Zealand.

Instant Finance Personal Loan

Instant Finance

personal

APR: 9.95%–29.95%
Amount: NZD50,000
Term: 84 mo

Best for borrowers needing quick access to cash with flexible repayment terms of 3 to 84 months.

This loan option provides a wide range of amounts and terms, but the high interest rates may not suit everyone.

ANZ Car Loan

ANZ New Zealand

car_finance

APR: 13.9%–13.9%
Amount: NZD50,000
Term: 84 mo
Decision: Within 5 business days

Ideal for those seeking a reliable lender with no application fees and quick approval times.

The ANZ Car Loan is straightforward with a fixed rate, but its APR might be high for some borrowers.

The Co-operative Bank Personal Loan

The Co-operative Bank

personal

APR: 9.95%–17.75%
Amount: NZD50,000
Term: 60 mo

Best suited for those needing a personal loan between $1,000 and $50,000 with flexible terms.

With rates starting at 9.95% p.a., this loan is an appealing option for many borrowers.

AA Money Car Loan

AA Money

auto

APR: 9.4%–12.15%
Amount: NZD75,000
Term: 60 mo
Decision: Quick online application

It's ideal for those seeking quick online approval and flexible loan amounts for vehicle purchases.

AA Money's car loan options cater well to a variety of borrowers, but the interest rates may be higher than some competitors.

Kiwibank Personal Loan

Kiwibank

personal

APR: 12.99%–18.99%
Amount: NZD30,000
Term: 60 mo

Best suited for borrowers looking for flexible loan amounts and terms, with the added benefit of supporting a New Zealand-owned institution.

Kiwibank's personal loans provide a solid option for those who prefer a locally owned bank with a straightforward application process.

MTF Finance Car Loan

MTF Finance

car_finance

APR: 8.95%–19.95%
Amount: NZD100,000
Term: 84 mo
Decision: Same day decision

This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.

MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.

BNZ Personal Loan

BNZ

personal

APR: 13.9%–19.9%
Amount: NZD50,000
Term: 60 mo

This loan is best for borrowers seeking amounts from NZ$2,000 to NZ$50,000 with flexible repayment terms.

BNZ's personal loan is a viable option for those needing a significant amount of cash quickly, but rates can be steep.

ASB Car Loan

ASB Bank

car_finance

APR: 12.95%–12.95%
Amount: NZD50,000
Term: 84 mo
Decision: 1-3 business days

Best suited for ASB account holders needing a quick loan for a new or used vehicle with flexible terms from 6 to 84 months.

ASB's car loan is a straightforward option for those looking to finance a vehicle, but the interest rate may be high for some borrowers.

Westpac Personal Loan

Westpac

personal

APR: 7.99%–13.9%
Amount: NZD50,000
Term: 60 mo

Best for those seeking lower rates for electric vehicle financing, as well as borrowers needing larger sums up to $50,000.

With flexible borrowing options, Westpac's personal loan is ideal for various financial needs, though the standard rate is on the higher side.

Westpac Car Loan

Westpac New Zealand

car_finance

APR: 6.49%–12.99%
Amount: NZD50,000
Term: 60 mo
Decision: 1-3 business days

Ideal for NZ residents looking for fixed-rate car loans with flexible terms and quick approval.

This loan provides straightforward financing for car buyers but comes with a higher interest rate compared to competitors.

SBS Bank Personal Loan

SBS Bank

personal

APR: 11.5%–15.5%
Amount: NZD30,000
Term: 60 mo
Decision: 1-3 business days

This loan is best for borrowers who are NZ citizens or permanent residents and have a steady income, looking for a manageable loan amount.

SBS Bank's personal loan provides a straightforward option for those needing cash quickly, but the interest rates may not be the most competitive.

Instant Finance Car Loan

Instant Finance

auto

APR: 9.95%–29.95%
Amount: NZD50,000
Term: 84 mo
Decision: Fast online approval

This loan is best for those who need quick access to funds for vehicle purchases and have a reliable income.

Instant Finance provides a straightforward car loan option, but borrowers should be cautious of the higher interest rates.

Harmoney Personal Loan

Harmoney

personal

APR: 7.99%–24.99%
Amount: NZD100,000
Term: 84 mo
Decision: Quote in minutes, funding can be as fast as 9 minutes

This loan is best for individuals seeking quick access to funds with minimal paperwork, particularly those with good to excellent credit.

Harmoney offers a flexible personal loan option for those looking to consolidate debt or finance personal projects. However, borrowers should consider their creditworthiness before applying.

Harmoney Car Loan

Harmoney

car_finance

APR: 7.99%–24.99%
Amount: NZD100,000
Term: 84 mo
Decision: Rate check with no credit score impact

This loan is ideal for those who want to check rates without affecting their credit score and need a loan range between $2,000 to $100,000.

Harmoney's car loan is a viable option for borrowers looking for flexible borrowing terms and competitive rates.

ASB Personal Loan

ASB

personal

APR: 12.9%–19.95%
Amount: NZD50,000
Term: 84 mo

This loan is best for borrowers needing substantial funds for projects or debt consolidation with flexible repayment terms.

ASB's personal loan options are competitive, especially for those looking for larger amounts over longer terms.

ANZ Personal Loans

ANZ

personal

APR: 13.9%–13.9%
Amount: NZD50,000
Term: 84 mo
Decision: Decision within 5 business days, same-day funding once approved

Individuals with a stable income looking to borrow between NZ$3,000 and NZ$50,000 for personal purposes.

The lack of fees is for borrowers looking for flexibility, but the 13.9% APR could be high for those with better credit options. This product is best for individuals needing quick, fee-free access to funds.