Lending people second-chances
Vehicle Finance up to $25,000 even if your credit isn't perfect.
Excellent - Based on 942 reviews
Let's make vehicle finance a breeze with decisions in 60 seconds, fair rates, and no fees to use our service¹.
Borrow between $5,000 and $25,000 to purchase your new workhorse, daily driver, or family wagon.
GET STARTED TODAY
We look at more than your credit score.
Our platform assesses lots of data about you to find the positives about your situation. We understand that not everyone fits into the same box and can still offer approvals tailored to you, even if your credit isn't so flash.
Get fast decisions and expert advice.
You will receive a decision on your application in 60 seconds (without affecting your credit score) and a dedicated adviser that will be available to assist you if needed.
Receive fair rates and pay no fees¹ to use our service.
Save money with fair interest rates and pay no fees to use our service when the vehicle you purchase is used as security.
Use the vehicle you are purchasing as security to get a better interest rate and pay no fee to use our service.
Most motor vehicle dealers and finance brokers will charge you a fee to arrange finance on your behalf. This fee is commonly known as either a platform fee, broker fee, or referral fee.
When you arrange vehicle finance through Lending People and use the vehicle you are purchasing as security for the loan, you won't pay this fee, saving you up to $995*. Plus, because secured loans are less risky, you'll usually be offered a lower rate, so you'll save on interest too!
*Based on the typical maximum allowed by finance providers. A platform fee may still apply for unsecured vehicle finance.
How much would you like to borrow?
LOAN AMOUNT
$1000
$75,000
FOR HOW LONG
5 years
1 year
7 years
ESTIMATED REPAYMENTS FROM
$0 total
$0 total
Results in this calculator are based on the limited financial information provided by you and is to be used as a guide only. It is not an offer of finance, or a quote, or indication of pre-qualification for any loan product. The calculation uses an example rate of 9.95% p.a. and is based on amortised scheduled repayments with a fixed interest rate for the term of the loan.
All approvals are subject credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your personal circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.
Lending people second-chances in three simple steps
Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers on your terms.
High-Tech.
Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds.
High-Touch.
Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.
High-Five.
Read, accept and sign your loan documents electronically on any device. The lender will then transfer funds into your bank account overnight.
Get pre-approved before you buy to save money and avoid pressure.
Avoid the hard sell and arrange your finance before you go shopping for your new vehicle. We are independent and have no dealer relationships. Our advisers are finance experts and will always prioritise your best interests and objectives, whether you buy a car or not.
What you will need to get started:
- Be at least 18 years old
- An income of at least $500 per week
- A current driver's licence
- Access to internet banking
- 2 to 3 minutes to complete our online application
Awesome people to deal really friendly…
Lani Thomas - New Zealand
April 9th, 2021
So surprised at how easy the process…
Mana - New Zealand
April 9th, 2021
Very helpful and communicated very…
Loren Thomas - New Zealand
April 9th, 2021
Sooo easy!
Caz - New Zealand
April 9th, 2021
Protect your investment with mechanical warranties that represent actual value for money.
Leverage our high-volume buying power and pay 37% less* for optional mechanical warranties when arranging finance through us.
*Based on the typical retail price of a 12-month standard mechanical warranty.
Looking for something else?
We offer a range of loan products to help you embrace opportunities and overcome obstacles with confidence.
Personal Loans
Bring possibilities to life with a Personal Loan to get married, take off on holiday, renovate your home, go shopping, and much more.
Debt Consolidation
Combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.
Vehicle Finance
Finance for your new workhorse, daily driver, family wagon, luxury sedan, or sports car, and pay no fees to use our service¹.
We have relationships with a large network of lenders
LENDING PEOPLE INSIGHTS
Take an in-depth look at credit reporting.
If you have ever applied for finance, rented property, connected power, or signed up to a mobile plan, companies that provided these services likely checked your credit report. Let's take an in-depth look at what information is on your credit report, how we might use that information, and what it means for you.
Are you looking for a little more help?
Not at all. You can purchase a vehicle privately if you wish. Just bear in mind that you will not be covered under the Consumer Guarantees Act if something were to go wrong.
Let's Go!
It will take about 3 minutes to complete your vehicle finance application, and it will not affect your credit score.