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Compare Best Car Loan Companies in NZ

Car Loans in New Zealand are accessible through various lending service providers that allow Kiwi car owners to secure their vehicles in a simple and easy process. Most car loan companies are operated by Kiwis themselves so you’re rest assured of a secure and stress-free financing no matter how much you need to borrow.

Compare Car Loans with Glimp

Buying a car these days can still be quite expensive for many Kiwis, especially with the current economic conditions plus home expenses and other financial obligations. Luckily, there are car loan companies that are open to lend you the amount that you need. No matter the brand, model or size of the car you want, you can pay them off right away with the help of lending services that are available anywhere in New Zealand. They can be accessed online as well, making it a lot easier for you to check deals that are suitable for your preference. 

Best car loan companies for bad credit. Auto Loan companies look into your credit profile before approving your loan.

If you’re interested in taking out a loan for your new or pre-owned car, you can head over to glimp’s compare page and look into the best car loan companies that are within your budget. You can also use the comparison tool to filter car loan options all for free. 

Below are the car loan companies that you can compare using glimp’s comparison tool.

Car Loans Calculator

simplicity car loans nz


Simplify is fairly new in the car loan industry which was only found in 2015. Since then, they’ve been one of the most trusted car loan companies by using a transparent and customer-oriented approach. Applicants can choose to borrow for as low as $5,000 up to $500,000 with an interest rate based on their finances.

Simplify Car Loan Rates

Simplify offers an interest rate starting from 6.50% p.a., one of the lowest car loan rates offered in New Zealand.

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harmoney car loans nz


Harmoney is a financial service provider that was established in 2004. They aim to bring Kiwis a friendly, fair and simple application process so they can accommodate more customers and help them with their financial needs. So far, Harmoney has provided over $1.6 billion loans to Kiwis from their personal, business, car loan services and more. 

Harmoney Car Loan Rates

Harmoney’s car loan rates include but are not limited to an establishment fee of at least $200 and a fixed interest rate between 6.99% and 24.69% p.a., depending on your car type and personal preference.

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mtf car loans nz

MTF Finance

MTF Finance is one of New Zealand’s reliable car loan service providers since 1970. They offer different car services and car loans that can best fit the needs and budgets of the Kiwi car owners. Likewise, MTF Finance offers mechanical breakdown and motor vehicle insurance packages for those who want to cover their car for upkeep or from vehicular accidents.

MTF Finance Car Loan Rates

MTF Finance offers affordable rates to give Kiwis a leeway when it comes to their individual finances. They can borrow from $2,000 to $100,000 depending on the value of their car and other maintenance.

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NZ Vehicle Finance

NZ Vehicle has proven great service and financial solutions to Kiwis’ car loan needs. They offer different packages that can adapt to the needs and income of every individual. Customers can apply online and get a car loan fast. They also provide quality customer support for any car lending inquiries. 

NZ Vehicle Finance Car Loan Rates

NZ Vehicle Finance offers flexible repayments allowing Kiwis to make repayments however they want. They can decide to have their repayments between 6 months to 6 years.

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udc car loans nz


UDC has been helping individuals and businesses in New Zealand for over 80 years now and remains to be a leading financial service provider with additional lending services like car loans, asset finance and many more. Old and new cars are available for checking, provided that the car owner also complies with other requirements posted by UDC.

UDC Car Loan Rates

UDC car loans offer competitive rates and flexibility car loan terms that range from 1 to 5 years. Interest rates vary from 8.95% p.a. To 9.95% p.a. which is also based on the amount borrowed and deposit of the customer.

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Heartland Bank

Heartland Car Loans make car financing more manageable. With their different car lending services and solutions, Kiwis are rest assured of acquiring their own car instantly. They offer quick and hassle-free car loan applications that can be accomplished within minutes. 

Heartland Car Loan Rates

Interest rate depends on the customer’s financial situation and can vary between 8.95% and 15.95% p.a. They also require other fees necessary for security and other documentation needs.

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avanti car loans nz

Avanti Finance

Avanti Finance car loan services are simple and straightforward. They’ve been recognised as one of the most outstanding companies in New Zealand, making them a good choice for your car loan needs. 

Avanti Finance Car Loan Rates

Avanti determines the total cost of the car loan by looking into the financial circumstances of the applicant as well as the interest rate which starts at 9.95% subject to change.

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stadium car loans nz

Stadium Finance

Stadium Finance is NZ’s leading car financing company that offers simple repayment schemes and application processes to give Kiwis the funding that they need. They also offer loans for boats, caravans, motorcycles and more. 

Stadium Finance Car Loan Rates

Their car interest rates go between 9.95% and 19.95% depending on the amount borrowed. Stadium Finance also includes other fees like establishment, application, approval and account management fees.

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asb car loans nz


ASB is a Kiwi-based banking firm that provides different lending services to applicants anywhere in New Zealand. One can get a car loan with ASB through Online Banking where customers can easily get a quote, apply and receive payment. 

ASB Car Loan Rates

ASB strictly requires that applicants show proof of their financial status before applying as rates depend on their capacity to pay, the type of car, asset or security and the amount borrowed.. They also impose a penalty for any default payments made by their customers.

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finance now car loans nz

Finance Now

Finance Now is a Kiwi-owned and operated lending services provider who has provided Kiwis with easy and accessible financial solutions for both personal, business and their car loan needs since 2000. Today, they have over 200 dealerships nationwide and over 530,000 Kiwi customers have entrusted Finance Now to ensure that their money matters are well-managed.

Finance Now Car Loan Rates

Finance Now car loan offers interest rates starting from 12.95% to 29.95% p.a. for terms between 6 to 60 months.

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Max Loans

Max Loans have delivered prime services and financial solutions to Kiwi customers since 2012. They offer car loan offers that accommodate all types of cars from your newly purchased car to classic pr vintage cars that are rarely covered by most car loan companies. With Max car loans, applicants can get fast car loan quotes and experience an approval process without hassle. 

Max Car Loan Rates

Max car loans offer longer term periods of 1 to 7 years, giving customers more time to make repayments with a starting car loan rate at 8.35% to 17.95% p.a.

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kiwi car loans rates nz

Kiwi Car Loans

Kiwi Car Loans is a trusted brokerage firm founded in 2013. They’ve worked with various lenders to give borrowers flexible car loan plans that are adaptable to their needs and budget. 

Kiwi Car Loan Rates

Kiwi Car Loans offer secure and unsecured auto loans with interest rates at 7.95% to 19.95% and repayment terms ranging from 1 to 5 years.

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lending crowd car loans rates nz

Lending Crowd

Lending Crowd offers financial services and solutions and has developed an online marketplace where borrowers, lenders, and investors can do business with one another. They operate a peer-to-peer lending platform, providing a faster lending process and cheaper car loan plans.

Lending Crowd Car Loan Rates

They offer car loans starting at $2,000 to $200,000 with an interest rate at 5.03% to 20.26% p.a. for fixed repayment terms of 2, 3 or 5 years.

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the lending people car loans rates nz

The Lending People

The Lending People is a brokerage company for NZCU South, Oxford Finance, Avanti Finance and other trusted financial service providers in New Zealand. They match borrowers’ profiles to proper lenders in minutes, and have facilitated around $200 million worth of financing since 2012. 

The Lending People Car Loan Rates

The Lending People offers secured car loans at $5,000 to $75,000 and unsecured loans up to $50,000 with an interest rate at 6.99% to 26.99% p.a.

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loan hub car loans rates nz

Loan Hub

LoanHub has been in the financing industry for more than 10 years. They offer car loan services that assist Kiwi customers in acquiring their own car or vehicle for flexible repayment options. They’re partnered with New Zealand’s most trusted lenders to get you the best deal — Heartland Bank, Oxford Finance, Marac, and Avanti Finance, among others.

Loan Hub Car Loan Rates

They offer car loan plans at $3,000 to $100,000 with an interest rate at 9.95% p.a. to 26.95% for repayment terms of 1 to 5 years.

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LoanSpot has been serving Kiwis with personal lending services for over 10 years. Today, they provide a wide range of lending products and solutions that include car loan services. They tag themselves as ‘fast, fuss-free, and friendly’ who are committed to finding an affordable loan that’ll suit every borrower’s needs. They work with NZ’s trusted lenders like Marac, NZCU, UDC, and Avanti Finance, among others.

Loan Spot Car Loan Rates

LoanSpot offers personal loans to pay off your car at $3,000 to $75,000 with an interest rate 9.95%. to 26.95% p.a.

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motor vehicle finance rates nz

Motor Vehicle Finance

Motor Vehicle Finance is a broker in NZ that connects Kiwis to top lenders who  can get them the best loan and flexible financing. They can help clients find a suitable lender whatever their credit rating. Anyone who is of age and a citizen or permanent resident can apply for a car loan even those with a a learner's licence. 

Motor Vehicle Finance Car Loan Rates 

LoanSpot offers car loan plans for $3,000 to $150,000 with an interest rate 6.95% to 23.95% p.a. which can be repaid within 12 to 60 months only.

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aa car loans rates nz


AA is one of the firsts to offer loan services to Kiwis since 1903. They’ve been the partner of customers in achieving their financial and life goals. They’re considered the expert in handling the different needs of Kiwis who are looking for the right financial assistance that suit both their lifestyle and income. 

AA Car Loan Rates

AA members get to enjoy discounted offers and marked down fees including car loan applications. They require that applicants present a $30,000 monthly income statement to be approved for a car loan. Interest rates start at 8.95% with repayment loan terms of 1 to 5 years.

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admiral finance car loans rates nz

Admiral Finance

Admiral Finance was founded in 2003 and is one of the few lending companies that allows loan applications regardless of credit rating. Customers can borrow for as low as $1,000 up to $50,000 and choose flexible repayment terms and fast approval.

Admiral Finance Car Loan rates

Admiral Car Loans offer rates between 13.95% to 23.95%, based on the financial profile of the borrower and the collateral offered.

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CarFinance2U is an NZ-based brokerage firm founded in 2012 and also a member of the Thornton Green Group. They’ve partnered with over 10 lending companies throughout New Zealand to provide the best car loan plans to all types of Kiwi borrowers. They also accommodate car owners with a learner’s license provided that they also offer collateral before their loan approval. 

CarFinance2U Car Loan Rates

CarFinance2U offers a low interest rate starting at 8.95%. To 24.95% p.a. With terms between 2 to 7 years repayment.

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carpow car loans nz


Carpow is a brokerage firm currently based in Hamilton. They provide different types of loans to Kiwis in the easiest way possible. They tailor loans depending on the borrower’s profiles and keep the process straightforward as possible. 

Carpow Car Loan Rates

Carpow offers interest rates between 8.95% - 23.95% p.a. Based on the financial stability, residence, asset backing, affordability and security value offered. Customers can also borrow $3,000 to $100,000.

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nectar car loans nz


Nectar NZ is an online lending company providing  Kiwis with a  simple and transparent way to get a loan through interactive technology, low costs, and competitive interest rates. They apply a 360-degree method using various data sources, to give borrowers the right deal according to their financial profile. 

Nectar Car Loan Rates

Nectar offers car loan plans from $1,000 to $20,000 with an interest rate 8.95% to 29.95% p.a. which can be repaid within 6 months to 4 years only.

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nobilo finance car loans interest rates nz

Nobilo Finance

Nobilo Finance is a brokerage sourcing finance company offering car loan services to help Kiwis find a lender based on personal circumstances so that the best rates can be given. They offer car loans for personal cars, caravans, motor homes, trailers and cars that are used for business. Part of their profits return to the community through donation drives and give back to select charities.  

Nobilo Finance Car Loan Rates

LoanSpot offers car loan plans for $3,000 to $250,000 with a standard interest rate of 6.35% to 24.95% p.a., depending on one’s credit profile which can be repaid within 3 months to 5 years only.

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oxford finance car loans interest rates nz

Oxford Finance

Oxford Finance has been providing Kiwis with flexible financial solutions for over 65 years. Their philosophy is “your finance, your way,” giving borrowed the option to choose which car loan plan is the right one for them. They’re one of New Zealand’s highest-rated finance companies and was given an investment grade BBB- rating by Standard & Poor's. 

Oxford Finance Car Loan Rates

LoanSpot offers car loan plans for $2,000 to $100,000 with an interest rate 7.95% to 20.95% p.a. which can be repaid within 12 to 60 months only.

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quickloans car loans interest rates nz

Quick Loans

QuickLoans is based in Christchurch NZ where they’ve provided Kiwis with financial solutions for their personal and car loan needs. They’ve been in the industry for over 15 years and have proven efficiency through their application process and approval of loan plans. 

Quick Car Loan Rates

LoanSpot offers car loan plans for $1,000 to $20,000 with an interest rate 9.95% to 23.95% p.a. which can be repaid up to 5 years exclusive for land and property collaterals.

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swoosh finance car loans interest rates nz

Swoosh Finance

Swoosh Finance NZ offers quick financial services using Online Banking  whenever you need them. They practice responsible lending where borrowers can still enjoy their finances while paying off their loan. Their agents do most of the paperwork for clients so they can focus on selecting the car they want.

Swoosh Finance Car Loan Rates

LoanSpot offers car loan plans for $5,000 to $100,000 with an interest rate 6.35% to 18.95% p.a. which can be repaid from 3 months to 7 years only.

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zooma car loans interest rates nz


Zooma was created by NZ Fintech to enhance lending in the digitally connected world. They believe that shifting to a digital platform quickens the lending process and makes everything convenient for borrowers. Zooma car loans feature fast loan approval, 100% finance option, and low fees. They lessen the financial barriers and ensure everyone gets a chance to apply for a car loan.

Zooma Car Loan Rates

LoanSpot offers car loan plans for $5,000 to $30,000 with an interest rate 19.97% to 34.97% p.a. which can be repaid up to 3 years only.

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creditone car loans interest rates nz


CreditOne is a nondepository financial institution established in 1990. They tailor financing solutions according to their applicant’s financial preference. This saves Kiwis time in looking for a loan that suits their needs. 

Credit One Car Loan Rates

CreditOne has an interest rate starting at 6.85% to 23.95% p.a. subject to the financial situation and the amount of money borrowed. Applicants can apply for a loan between $1,000 to $1,000,000 for a repayment term of 6 to 60 months.

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About glimp

Glimp is a comparison website for utilities, such as broadband, power and gas. We are on a mission of saving Kiwis time and money. In Jan 2016 we launched our first product - broadband comparison. Over the years, we’ve gone on to launch power and gas, as well as credit card comparison.