Let's make vehicle finance a breeze with decisions in 60 seconds 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 great rates and pay no fees to use our service¹.
Save money with competitive interest rates from 6.95% p.a.² 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 fees 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.
Put your feet up. We've got this.
Our digital platform will match you with the best possible terms and interest rates across a range of trusted lenders throughout NZ.
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.
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 seconds.
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 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
Don’t just take our word for it
Rated 4.8 / 5 based on 1003 Reviews. Showing 5 star reviews.
Great service james was great help…
john - New Zealand
May 4th, 2021
NO FUSS NO MUSS
Janet Grayndler - New Zealand
May 4th, 2021
Lovely team member james made it a…
EH - New Zealand
May 4th, 2021
Super easy process & a very friendly…
Rawinia Pahau-Workman - New Zealand
May 4th, 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.
Combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.
Vehicle Finance between $5,000 and $25,000 to purchase your new workhorse, daily driver, or family wagon, even if your credit isn't perfect.
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.