Car, ute & vehicle loans across NZ
New car, used car, ute, motorbike, or commercial vehicle — we shop NZ's vehicle finance lenders to find the right rate, term, and structure so you don't pay dealer-finance margins.
Dealer finance is convenient but rarely competitive. We compare specialist vehicle lenders, bank car loans, and your existing mortgage as funding options — and recommend whichever option saves you the most over the life of the loan. The car you buy on Saturday can be financed by Tuesday.
- Specialist vehicle finance + bank rate comparison
- Pre-approval before you walk into the yard — negotiate from strength
- Fortnightly, monthly, or balloon-payment structures
- Chattel mortgage option for self-employed and business buyers
- Settlement coordinated with the seller — fast funding
When this loan is the right fit
New car
Best-rate financing on a new car — often using the manufacturer's bonus where it applies, or a sharper bank rate where it doesn't.
Used car
Private sale or dealer used — we'll arrange settlement with the vendor and the security check.
Ute & commercial vehicle
GST-deductible chattel finance for business use; structured fortnightly or monthly to match cashflow.
Refinance or top-up
Already on dealer finance? We may be able to refinance at a lower rate, or roll it into your mortgage for the cheapest cost of funds.
From first call to settled
What are you looking at?
Make, model, budget, and how long you plan to keep it. We'll suggest the structure that suits.
Pre-approval
Conditional approval before you commit. Negotiate the car price knowing the finance number is locked in.
Settle the deal
We confirm the vehicle details, settle with the seller, and arrange the security registration.
Drive away
Funds clear, paperwork done. We stay available for any refinance or top-up later.
Free calculators for this loan type
Guides written by licensed advisers
Answers, before you ask
Anything else? Pick up the phone — no hold music, no jargon, just a straight answer.
01Is dealer finance cheaper or am I better off with a broker?+
Sometimes dealer finance includes a genuine manufacturer subsidy and beats everything else. More often the dealer's rate has commission built in and a comparable bank or specialist lender is sharper. We pull both and tell you straight up which wins for your specific deal.
02Should I roll my car loan into my mortgage?+
Cheaper interest rate, but you'll pay it off over 20+ years rather than 5 — so the total interest cost can end up worse. We'll model it both ways so you can make the call with real numbers.
03How much deposit do I need on a car loan?+
Most lenders will fund 100% of the purchase price plus on-road costs if your income supports the repayment. Putting down a deposit drops the monthly and improves the rate you'll be offered.
04Can I get vehicle finance if I'm self-employed?+
Yes — chattel mortgage is the standard structure for self-employed buyers. The asset is the security, the GST is claimable, and the interest is deductible to the business.
05What happens if I want to sell the car early?+
Most loans can be paid out at any time; you'll need a payout figure from the lender. Specialist lenders sometimes charge an early-termination fee — we'll flag this in your quote.
Ready to start your loan journey?
Apply online in minutes. No obligation, no pressure — just clear advice.