Admiral Car Loan

Admiral Finance is proud to be 100% Kiwi-owned and operated. Unlike most traditional financial organizations, they take into consideration your personal situation, meaning that you can have the opportunity to get a loan even with a bad credit rating. They were only founded in 2003 but they have already earned a rich experience on how to address Kiwis’ financing needs from a local perspective. 

Admiral Finance offers car loan deals with lower interest rates, flexible terms, fast approval, and other favourable features. Getting a car loan shouldn’t be a tiring process — in fact, it should be simple so that you can fully enjoy your car! An Admiral car loan has the right features for Kiwis with different financial situations. On top of this, you can borrow as low as $1,000!

To make sure an Admiral car loan is the right choice for you, compare them with other deals and see other available options from other providers.

Why apply for an Admiral car loan?

Admiral Finance is a company that you can trust with your loan because they value your convenience more than their profits. They’ll advise you the cheapest options and terms before you seal a deal. You can get an approval within minutes, and funds can also be released on the same day. Because of their competitive rates and personalised rates, you can save money and won’t be burdened with more financial obligations. You can cruise smoothly with a provider that you can trust.

Apply conveniently online

You only need to follow three simple steps to apply for an Admiral car loan: fill out the application online or give them a call, provide additional details about your loan to one of their experts, and wait for your funds to be directly transferred into your account or be given cash cheque.

Is an Admiral car loan right for you?

Admiral Finance gives fair financing opportunities to Kiwis because their loan process is simple. They’re a great alternative from traditional financial institutions that mainly consider credit rating. So if you have a bad credit history, you can get in touch with Admiral Finance and find out how you can get a car loan given your personal situation.

Admiral Finance Car Loan NZ features - Interest Rates & Fees


To qualify for an Admiral car loan: 

  • You must be above 18 years old. If you’re between 18 and 21 years of age, you should have a guarantor. 
  • You must be a permanent resident of New Zealand with a proof of your identity through a valid NZ passport or driver’s license.
  • At least $400 weekly earnings
  • Must provide an asset to secure your loan
  • Fair and reasonable credit history
  • Have a minimum of a Restricted Licence

Fees and terms

An Admiral car loan is secured, requiring an asset as a collateral like your house or car.

Interest rate varies between 13.95% to 23.95%, depending on the profile of the borrower and the collateral. You can borrow anywhere between $1,000 to $50,000 as long as you can make repayments within 6 months to 5 years. Other important fees, among others, are: application fee (from $125 to $595 depending on loan amount), administration fee ($2.80 per week or $12 per month), security variation fee (up to $150), and default fees.