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Fast, Simple Vehicle Finance.

Get a vehicle finance loan purpose-fit for you.

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Vehicle Loans
Vehicle Loans
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Real Know-How

Skilled hands, fast loans.

For all things wheels and water, we’ve got you covered. At MVF, we deliver expert loan advice. Fast access to the loan you need, confidence we’ve found the right option, and a hassle-free process—often sorted the same day.


Quick, simple, and stress-free. Apply in minutes, and we’ll handle the rest. With 10+ years of experience and 50,000+ Kiwis helped, we’re the smart choice for vehicle loans. Ready to roll? Let’s go!

Approval subject to responsible lending inquiries.

  • Amos Banbury

    Amos Banbury

  • Anna Shepherd

    Anna Shepherd

  • Brooke McNevin

    Brooke McNevin

  • Chloe Russell

    Chloe Russell

  • Codi Sutherland

    Codi Sutherland

  • Coral Stevenson

    Coral Stevenson

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    Courtney Fitton

  • Dale Wolfrey

    Dale Wolfrey

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    Dorian Grault

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    Emma Hendry

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    Erin McKenzie

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    Georgia Morton

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    Idrees Hamid

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    Imran Chowdhury

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    Jayden Salton

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    Jessica Gopalan

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    Jimi Ward

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    Kim Marchant

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    Lauren Woolford

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    Oliver Davidson

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    Reeves Naidoo

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    Renee Knipe

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    Samuel Pickering

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    Shannon Gardiner

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    Terry White
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Plan Your Payments

$15,000
$5,000
$50,000
48 months
12 months
60 months
9.95%
rate 7.95%
rate 29.95%

Weekly Repayments

$91

Monthly Repayments

$393

Total Amount Repayable

$18,864

The repayment amounts shown include Establishment and Introducer fees totalling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

Find out more about fees here.

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How It Works

  • Kick things off online—it only takes 3 minutes!
  • We'll be in touch. You'll hear from us within 30 minutes (work hours).
  • We'll chat about what you need and what matters most, so we know exactly what to look for.
  • We'll find your match. We explore the lenders and find the right option for your needs.
  • Approval Made Simple. Timing varies—but if we’ve got everything, some approvals come through the same day. Approval is subject to lender criteria and affordability checks.

Like to know more?

Get the Guide | How Car Loans Work

Let’s Find the
Right Loan for You.

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Car, motorbike, boat, or caravan loans—whatever you need, getting started is just minutes away. Our simple form only takes a moment to complete!

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Talk to the Team

Want to chat before diving in? Whether you have a few questions or just want to suss us out first, we’re here and happy to help.

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Quick Reads

FAQs

Have a question or two?

Got questions? We’ve got answers! Being informed is important, and we’re here to help. Explore some of the most common questions below, or reach out to us anytime if there’s more you’d like to know.

What can you buy with a vehicle loan?

Vehicle loans can help you purchase a wide range of vehicles—cars, trucks, motorbikes, caravans, jet skis, motorboats, yachts, and more. If it’s got wheels or floats, chances are vehicle finance could be used to purchase it. .

How long does vehicle finance take?

Timing varies—but if we’ve got everything, some approvals come through the same day. Approval is subject to lender criteria and affordability checks.

What are the vehicle loan interest rates?

Interest rates vary from 7.95% p.a. to 29.95% p.a., tailored to your unique profile and circumstances (such as credit history, security, etc.). Fill out our quick form here - start the ball rolling to get your personalised rate.

What are the vehicle loan fees?

Great question to ask upfront! When taking out a loan, there are establishment/introducer fees and lender fees to consider. For details about our fees, check out our Disclosure Statement here, and for information on lender fees, click here.

In the meantime, here’s an example with key fees included in the repayment and total amount:
 
Example: On a $5,000 loan over 12 months at 10.95% p.a., with Establishment and Introducer fees totaling $495 and a PPSR fee of $7.39, the total repayment amount is $5,835.93, broken into 12 monthly payments of $486.34.

Which lenders do you work with?

We partner with a diverse range of lenders to support Kiwis with various vehicle finance needs. Our current lender panel features Heartland, Marac, Oxford Finance, Finance Now, Geneva Finance, Avanti Finance, UDC, Gem Finance, and Community Financial Services.

Loan Information

Fixed interest rates for vehicle loans range from 7.95% 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 the lender. Approval is subject to meeting lending criteria, and affordability test applies. The lender will independently assess whether you are eligible for a loan. Same day payout is subject to meeting the above conditions and completing loan documentation by 12pm.

Fees apply, including an Establishment Fee of up to $350 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. View more information about lender fees here.

Refinance & Debt Consolidation: Refinancing or consolidating may lower repayments but can lengthen the loan term and increase total interest paid. Any savings are not guaranteed and depend on your rate, fees and term. Early-repayment/break fees or other charges may apply to your current loan, and new lender fees and security requirements may apply. It is important to compare total cost (including any break fees) before proceeding. Terms and availability vary by borrower profile and lender policy.