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.

Getting a vehicle loan can be fast. In many cases, we’ve helped Kiwis secure finance in less than a day. Of course, this depends on lender approval and having all necessary information ready. Whether it’s the same day or takes a little longer, you can count on our team to work quickly and efficiently.

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 9.95% 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.

It’s easy to get an idea. Use our loan calculator to adjust the loan amount, term, and other factors to find an option that suits your needs. Once you apply, one of our financial advisers will work with you to personalise your loan options and find the right fit for your situation.

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.

Absolutely! Whether you want to refinance a car loan, motorbike loan, boat loan, or caravan loan, our team is experienced in helping Kiwis with refinancing.

Before you start, it’s important to have clear goals in mind. For example:

• Do you want to reduce your current repayments?
• Are you looking to secure a better interest rate or reduce the total cost of your loan?
• Do you have other objectives for refinancing?

Understanding your goals and any implications is key, and we’re here to help you make an informed choice that works for you.

No, applying with us won’t impact your credit score.

Your credit score is a crucial factor in your borrowing power and the interest rates you’re offered. We take this seriously. When you apply through us, there’s no impact on your credit score. Only when you choose a lender and proceed with your application does a full credit check occur, and a credit inquiry is added to your record.

As a tip, consider using tools like Clear Score or other credit bureau services in New Zealand to stay on top of your credit profile and take action when needed. It’s a great way to stay informed and prepared!