Browse everything.
The whole site in one place. Every calculator, every loan amount and type, all the finance guides, and car finance for every brand on New Zealand roads. Somewhere to start.
Calculators
Work out the numbers
By type
Car loans by type
- First car finance Smaller loan, shorter term, limited or no credit history. Guarantor may help.
- Electric car loan Finance for a BEV or PHEV. Lower running costs, often priced as a "green" loan.
- Bad credit car loan Harder to get approved, rates typically higher. Clear affordability matters more.
- Self-employed car finance Lenders will want 2 years of IR3 income, often with an accountant summary.
- Used car finance Finance for a pre-owned vehicle. Rate often reflects the car's age and mileage.
- Refinance a car loan Roll an existing car loan to a lower rate or shorter term. Worth the maths.
- No deposit car finance Full purchase price financed, nothing upfront. Higher end of the rate range, starts underwater.
Guides
Finance guides
- How car finance works in NZ What actually happens between walking into a yard and making the last payment on a New Zealand car loan.
- Dealer finance vs bank vs broker A dealer, a bank and a broker will each sell you much the same secured loan. What differs is who sees your application, and what else is being negotiated at the same time.
- Secured vs unsecured car loans Whether the lender holds your car as security is the one difference, and it sets the rate, the risk and the paperwork.
- Fixed vs floating car loan rates Nearly every car loan here is fixed for the whole term, which is why you can know the weekly cost before you sign anything.
- Car loan deposit explained Every dollar you put down is a dollar that never accrues interest, and it moves your rate, your total cost and your equity all at once.
- CCCFA car lending rules The consumer-credit rules sitting behind every New Zealand car loan application, in plain English, as education rather than advice.
- Balloon payments and residual value A balloon parks a chunk of the loan at the end of the term. Your weekly payment drops, and a lump sum waits for you at the finish.
- Trade-in vs private sale Trading in or selling privately splits the same job very differently, and the split matters most when there's still a loan on the car.
- Financing a car vs paying cash Cash costs you interest you never pay. Finance costs you a buffer you get to keep. Both are defensible, and the numbers only settle half of it.
- What lenders check on a car loan Every check a lender runs is working toward two questions the law makes it answer. Can you afford this, and does it suit you.
- How to refinance a car loan When refinancing an existing car loan actually lowers what you pay, and where the maths quietly works against it.
By brand
Car finance by brand
57 brands with their own finance page.
Mainstream
Premium
Found your starting point?
Every page runs the same calculator. A price, a rate and a term, and you have the weekly cost before you talk to anyone.