Finance for Utes, Trucks, Vans & 4x4s

Work, play, or both — get the right vehicle with finance that fits.

Start Your Finance Check

Start Your Finance Check

Fast Finance for Your Next Workhorse or Adventure Rig
Quick Approvals to Keep You on the Road (affordability tests apply).
Relied on by Tradies, Farmers & Drivers Across NZ

Finance for Every Job (and Every Weekend)

Whether it’s for the worksite, the farm, or your next adventure, we’ll help you secure the right ute, truck, van, or 4x4 — fast.

Replacing your workhorse - upgrade to a reliable ute, truck, or van you can count on.
Expanding your capability - add vehicles to handle more jobs or bigger loads.
Switching from costly finance - refinance to a more competitive option.*
Seasonal or project-based needs - secure short or long-term finance solutions.
Getting adventure-ready - finance a 4x4 or off-road vehicle built for where the road ends..
Backed by choice - we compare options from multiple NZ lenders for the right fit for you.

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

Get a no-obligation quote

Ute, Truck & Van Finance
How it Works

Tell us about the vehicle you want and your situation — the form takes just a few minutes. An MVF adviser will compare finance options from NZ lenders and send you a no-obligation quote so you can decide with confidence. Approval subject to responsible lending inquiries.

What We Compare

Personalised rates matched to your credit profile and loan terms. See Loan Information below.
Terms that fit your planned use and budget.
Repayment frequency (weekly/fortnightly/monthly) and total cost over the loan.
Fees, including any setup or early-repayment costs.
Estimated total cost to own under each option.

Talk to an MVF Adviser

UTE, TRUCK, VAN & 4x4 FINANCE CALCULATOR

Check potential repayments and total cost (estimate only).

$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.

How We Make It Simple

Compare multiple lenders with one application
Give you clear, upfront costs and terms before you commit
Handle the paperwork so you can focus on work or the weekend
Keep you updated from application to approval

From worksite to weekend, we make getting finance simple.

Finance | Get a no-obligation quote

What You'll Need

Getting started is simple — and we’re here to help seven days a week.

Start Here

The form takes about 3 minutes to complete. For faster turnaround, you can securely share bank statements — in some cases we can return a conditional quote in under an hour.

Start my 3-minute check

On the Road to Approval

When you’re ready to proceed, we’ll gather anything missing — typically proof of income, proof of address, and ID. Your adviser will keep you posted and help with any questions.

Talk to an Adviser

FAQs

Your Ute, Truck & Van Finance Questions, Answered

Can I finance both new and used vehicles?

Yes — as long as the vehicle meets lender requirements for age, condition, and value.

Can I buy privately or from a dealer?

We work with both, provided the vehicle meets lender criteria.

How fast can I get approved?

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

Can I refinance my current ute, truck, van, or 4x4 loan?

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 car 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 Important Information below.

Can I finance multiple vehicles at once?

Yes — we can arrange finance for fleets or multiple vehicles under one application, subject to lender approval.

Do you offer finance for off-road vehicles?

Absolutely — we can finance utes and SUVs for work, farm, or recreation.

What documents will I need?

Typically ID, proof of income, and proof of address — we’ll let you know exactly what’s needed

Important 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.