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Lending people second-chances

Vehicle Finance up to $25,000 even if your credit isn't perfect.

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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.

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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!

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*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

$20000|

$1000

$75,000

FOR HOW LONG

5 years

1 year

7 years

ESTIMATED REPAYMENTS FROM

$0/wk

$0 total

$0/mth

$0 total

Calulated at an example rate of 9.95% p.a.*APPLY NOW

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.

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.

High-Touch.

Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.

High-Five.

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.

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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

Don’t just take our word for it

Rated 4.8 / 5 based on 942 Reviews. Showing 5 star reviews.

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.

Take A Look

*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.

Learn More About Personal Loans

Debt Consolidation

Combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.

Learn More About Debt Consolidation

Vehicle Finance

Finance for your new workhorse, daily driver, family wagon, luxury sedan, or sports car, and pay no fees to use our service¹.

Learn More About Vehicle Finance

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.

Read more

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.

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  • Guides & Insights
  • Rates Comparison
  • Home Loan Calculator
  • Personal Loan Calculator

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if (a) you are an existing customer, (b) we arrange vehicle finance, and you use the vehicle purchased as security on the credit contract, or (c) you do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees). New Zealand law does not require APR disclosure but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principle, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances or fees for using our service (if any).

Terms and Conditions: All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Provider establishment fees, terms, and conditions apply.