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?
FOR HOW LONG
ESTIMATED REPAYMENTS FROM
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.
Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds⁵.
Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.
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.
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.
*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.
Combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.
Bring possibilities to life with a Personal Loan to get married, take off on holiday, renovate your home, go shopping, and much more.
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.
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.