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

When my husband was made redundant, we both made a choose to move to a smaller town. Having a good size deposit, but still no jobs, no bank would take the chance. Thinking outside the box and contacts through mortgage labs. We were able to make temporary arrangements so we could purchase our house. Once we were settled in with jobs, we were able to smoothly move from our temporary arrangements to a bank of our choose. Mortgage labs also helped with our retirement plans. In was a stressful time, but with personalized service we felt like mortgage labs had our backs. Time and money saved with expert advice clarity. Thankyou Lynne Dent for Mortgage Labs. Katrina and Heath, Balclutha

#Katrina Bennett

Lynne DentLynne Dent

Very friendly and very good to give advice

Excellent experience working with Nicola to help me buy my first home!

jonty valentine

Nicola WintersNicola Winters

Ready to Get Started?

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