ClearScore Members: Find the Right Car Finance

Vehicle loans can cover a wide range of options, including car loans, motorbike loans, boat loans, and caravan loans. Whether you’re looking to finance a car, truck, motorbike, jet-ski, motorboat, yacht, or caravan, vehicle finance can often be tailored to meet your needs. If it goes on the road or the water, there’s a good chance we can help!

Vehicle finance allows you to borrow money to purchase a vehicle and repay the amount, plus interest and fees, over time. Key considerations include the loan term, interest rate, fees, and affordability. Our team of over 20 financial advisers is here to guide you through the process and help you secure the right vehicle loan—whether it’s for a car, motorbike, boat, or caravan.

Approval subject to responsible lending inquiries.

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

We work with a wide variety of lenders to meet the diverse needs of Kiwis seeking vehicle loans. Our current lender panel includes Heartland, Marac, Oxford Finance, Finance Now, Geneva Finance, Avanti Finance, UDC, Gem Finance, and Community Financial Services.

Interest rates for vehicle loans currently range from 7.95% p.a. to 29.95% p.a., tailored to your unique profile and circumstances, such as credit history and security. To take the first step to getting your personalised interest rate, complete our quick online form here.

Yes, there are some fees involved when taking out a vehicle loan, including establishment or introducer fees, as well as lender fees. You can review our fees by checking out our Disclosure Statement here, and for more information on lender fees, click here.

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 would be $5,835.93, broken into 12 monthly payments of $486.34.

If you’re wondering what loan repayments might be at different borrowing amounts, terms and rates, our handy calculator can show you different scenarios.  Note: The figures produced by the calculator are a guide only — your actual interest rate, fees and repayments will be determined after your application is assessed. For more see 'Loan Information' section below.

Yes, no-deposit vehicle finance is an option, subject to lender approval and criteria. If you’re interested in borrowing the full amount without a deposit, you can get started by completing our application form here.

Our team are expert at helping Kiwis refinance existing vehicle finance.

Quick tip before you start: Make sure you are clear on what you want to achieve with vehicle refinance and the implications, for example: (a) do you want to reduce your current repayments, (b) do you want to review your interest rate and total cost of debt, or (c) other refinance objectives… In a nutshell, when refinancing your vehicle loan, it is important to be clear on what you want to achieve and any implications of making a change from one lender to another. We’re here to help you make a good choice for your needs.

Savings aren’t guaranteed and refinancing or consolidating can extend the term. Approval subject to responsible lending inquiries. See Loan Information below.

When you start an application, we run a soft credit inquiry to size up your options. Soft inquiries don’t change your credit score. If you proceed with a lender, the lender will run a full credit check, which creates a credit inquiry on your file and may affect your score. Applying with multiple providers may lead to multiple inquiries.