Explore vehicle refinance options that could lower cost or shorten your loan term. Get a no-obligation quote.
A refinance could reshape your repayments or term. Here’s what could be possible.
Tell us about your current loan—just a few minutes online. An MVF adviser compares options across leading NZ lenders and sends you a no-obligation quote so you can decide with confidence.
Weekly Repayments
$91Monthly Repayments
$393Total Amount Repayable
$18,864The 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.
Like to check your options?
We keep it simple and swift - here to help seven days a week.
All it takes is about 3 minutes to complete the online form. For extra speed, you can choose to securely share bank statements; in some cases that lets us return a no-obligation conditional quote in under an hour.
When you’re ready to proceed, we’ll gather anything missing - typically income verification (bank statements or payslips), proof of address, and ID. Your adviser will keep you posted on what’s next and when - happy to help with any questions.
What’s a no-obligation quote and how do I get one?
Tell us about your current loan (about three minutes). We compare options across leading NZ lenders and send you a clear quote - rates, fees, terms, and an estimated total cost. You decide if you want to proceed; there’s no obligation.
Will refinancing affect my credit score?
A quote doesn’t require a hard check. If you choose to proceed, we’ll only run any credit checks with your OK. A hard check may appear on your file and can move your score.
How long does it take?
Many loans settle the same day once we have all the info needed. If you proceed and are approved, settlement can happen quickly once conditions are met - timing varies by lender.
Are there fees to switch?
Will my repayments definitely go down?
Not always. Repayments depend on rate, fees and the term you choose. Lower repayments can mean paying more interest overall if the term is longer - your adviser will talk you through the others and impact either way.
Can I roll other debts into the new loan?
Sometimes. Consolidation can simplify things, but total interest may increase if you extend the term. If you do consolidate, closing old accounts matters - otherwise balances can build up again. We’ll include this in your quote.