Car Loans

Finance your next vehicle with competitive rates

Car Loans

Need a new car? We can help you find competitive finance options through our lending partners. Whether you're buying from a dealer or privately, we can arrange a car loan that suits your budget.

Car finance can be confusing with dealer finance, personal loans, and secured loans all available. We can explain your options and help you find a solution with reasonable rates and terms.

We work with established finance providers who offer car loans to New Zealanders. While our primary focus is mortgages, we're happy to help our clients with vehicle finance too.

How We Can Help

Compare car loan options from multiple finance providers

Arrange pre-approval so you can shop with confidence

Explain the difference between secured and unsecured loans

Find competitive interest rates for your situation

Help with loans for new or used vehicles

Advise on loan terms and repayment structures

Handle the application process for you

Frequently Asked Questions

Car loan rates vary depending on your credit history, whether the loan is secured against the vehicle, and the loan term. Secured loans typically have lower rates than unsecured. We can get you indicative rates once we understand your situation.
Dealer finance can be convenient but isn't always the best rate. Getting pre-approved for your own loan means you know exactly what you can afford and can negotiate on price like a cash buyer. We can arrange pre-approval for you.
This depends on your income, expenses, and credit history. As a rough guide, your car repayments shouldn't exceed 10-15% of your take-home pay. We can calculate an affordable loan amount for your situation.
A secured loan uses the car as collateral – if you don't pay, the lender can repossess it. This usually means lower rates. An unsecured loan has no collateral but typically higher rates. Both have their place depending on your situation.
Yes, having a mortgage doesn't prevent you from getting a car loan. However, lenders will consider your total debt when assessing your application. We can help you understand how a car loan might affect your overall financial position.

Find an Adviser Near You

We have advisers throughout New Zealand ready to help you. Select your region to find an adviser, or simply choose any region - we can process your application from anywhere using video meetings.

What Our Clients Say

Nicola was handed over our portfolio after the previous advisor, Karen Hyland left. We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ clarifying circumstances and looking at our statements/ savings and expenses, before providing us with options on banks to choose from. She was also able to advise on "when" it would be appropriate to trigger the loan instead of attempting to close a loan accommodation successfully. She also helped in understanding the way the loans were setup in different phases of the build. This was useful as we waited until we had put almost all our savings into this house before pulling the trigger on the loan. This helped up by trimming the principal and the interest rates thereof for which we are thankful. Naturally, this cannot be accomplished without clear , honest and transparent communication on both sides. Thank you for your time and effort Nicola. Laveena and Raj

Laveena D'Souza

Nicola WintersNicola Winters

Lynne was amazing helping us get sorted for our first home. As first home buyers we didn’t know a lot about the process and it was quite daunting but she made it so easy and was super quick to answer any questions. She helped remove a lot of the stress from the process! Would definitely recommend using Lynne as your broker :)

Shannon Harrison

Lynne DentLynne Dent

Roger is very good and understanding of us inexperienced non tech savory clients and was a great teacher as I filled in the forms required. I will be recommending his services and MortgageLab to friends and family.

Malcolm Rowell

Roger FairbairnRoger Fairbairn

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.