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Vehicle finance restoring classic car desktop

Lending people freedom

Vehicle Finance up to $200,000. 100% online and no fee to use our service¹.

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Excellent - Based on 1204 reviews

Let's make vehicle finance a breeze with an initial decision in 60 seconds⁵ and rates from 6.95% p.a².

Borrow between $5,000 and $200,000 to purchase your new workhorse, daily driver, family wagon, luxury sedan, or sports car.

GET STARTED TODAY

Receive competitive rates.

Our providers offer interests rates from 6.95% p.a. unsecured. When you apply, we will assess your unique circumstances and objectives and work hard to deliver a tailored outcome with the most competitive rate possible.

Put your feet up. We've got this.

We will match you with the best possible terms and interest rates across a range of trusted providers throughout NZ with the help of our digital platform.

Get fast decisions.

You will receive an initial decision on your application in 60 seconds⁵ (without affecting your credit score) and an adviser that will be available to assist you if required.

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 freedom 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 seconds⁵.

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 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.

GET PRE-APPROVED TODAY

What you will need to get started:

  • Be at least 18 years old
  • An income of at least $500 per week
  • A current NZ 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 4.9 / 5 based on 1204 Reviews. Showing 5 star reviews.

I found the service from The Lending…

Tania Kearns - New Zealand

September 17th, 2021

So easy to deal with and helpful

Carl Price - New Zealand

September 17th, 2021

You were fast at giving help an easy th…

Marina Padlie - New Zealand

September 13th, 2021

Easy online application

Stephen Bennett - New Zealand

September 10th, 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 you access to a range of loan products to help you embrace opportunities and overcome obstacles with confidence.

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

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

Home Loans

Whether you are buying, building or renovating, nesting or investing, we have home loan experts and the tools to help get you there.

Learn More About Home Loans

We have relationships with a large network of lenders

LENDING PEOPLE INSIGHTS

Take a ride with us while we compare vehicle loans

Find out how NZ car loans work, how to get low interest rates and where to go to get quick approval. Use our car loan calculator to see what works 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 and the seller is not required to provide you with accurate information such as the history of the vehicle, condition, odometer reading and any money owing.

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

Excellent

1204 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you are an existing customer who has previously entered into a personal loan that we arranged on your behalf; or you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

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 charged by providers). 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 principal, 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, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & 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 will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.