Posted in Loan Providers, Vehicle Loan Help

Vehicle Loan Providers


Vehicle Loan Lenders

There are many Vehicle loan providers in New Zealand. Each provider has their terms and conditions. Depending on your needs, each provider has something to offer. A few of the vehicle loan providers in New Zealand include; AA Finance, kiwi car loans, NZCU Baywide, MARAC and MTF Finance.

vehicle loans providers in New Zealand



AA Finance has been in operation for over 20years.

What They Offer:

  • Fixed annual rates between 9.95% to 15.95%

  • Online vehicle loans; applying loans is easy; you can access credit from anywhere in New Zealand.

  • Simplified process: fill in the online application or speak to a representative on the phone to help you with the process.

  • Quick loan approval: takes an hour or a few hours for preapproval decision to be made.

  • Tailored terms to suit your specific needs and requirements.

  • Loan term of up to five years.

  • Easy-to-use online calculator.

  • The minimum loan amount is $5,00


  • You must be 18years and above

  • Must hold a valid driver’s license

  • The vehicle is the security for the loan.

AA finance provides an easy-to-follow vehicle loan application process.
Learn all about the fees for AA finance:
To contact AA Finance visit:


Kiwi car loan was founded in 2012 to offer various car finance options to clients. These include: secured, unsecured and private sale car loans. Secured vehicle loan, the car is the security for the loan. Unsecured vehicle loan has no security; hence the interest charged is higher. Private sale vehicle loan is for purchasing a vehicle from directly an individual, not dealerships.

What They Offer:

  • Loan term of up to 5 years

  • Offer insurance solutions

    Down payment is not a must

  • Fast loan preapprovals

    An easy-to-use online calculator

To learn more about kiwi auto loans, please visit:
Contact information:

Vehicle Loans NZCU


NZCU Baywide is a credit union. It has been in operation since 1971.

What They Offer:

  • Interest rates from 9.9%p.a. for secured car loans and 11.9%p.a. for unsecured vehicle loans.

  • Minimum loan amount of $2, 000.

  • An easy-to-use online calculator.

  • Tailored rates to suit your financial needs

NZCU Baywide requires you to answer a few questions before proceeding to the main application. Your answers will determine if you qualify to advance to the next stage of loan application.

To learn about fees for NZCU Baywide, use this link:
Contact information for NZCU:


MARAC was founded in 1952 and has a link to Heartland Bank. MARAC offers competitive rates from 9.75%p.a. to 19.95%p.a.

What They Offer:

  • Simple and clear online application form.

  • Loan terms of up to 5 years

    Fast vehicle loan approvals.

  • Excellent client service.

  • Tailored repayments to suit your needs.


  • The vehicle is the security for the loan.

  • Applicant must be 18 years and above

  • Must be a holder of a valid driver’s license

  • The vehicle to have full insurance.

MARAC has a default interest fee of 6%p.a above the initial rate. Other charges can be found here:
For more information about MARAC visit:
The contact information for MARAC:

MTF FINANCE (Motor Trade Finance Limited)

MFT has been operating since 1970 with an aim to help car dealers to offer vehicle loans directly to their clients.

What They Offer:

  • Quick vehicle loan preapproval.

  • Calculator with two options: calculating the monthly payments or calculating how much to borrow.

  • Gives you the freedom to choose car dealer

  • Tailored loan repayment plan for your specific needs.

  • Minimum amount to borrow is $2,000


  • Must be 18 years and over.

  • New Zealand resident.

  • Must have an account with MTF finance.

  • Hold a valid driver’s license.

MTF has a network of over 400 dealers, giving clients a wide variety.
To learn more about MTF terms and conditions visit
Contact information:

Vehicle Loan Providers

When comparing different loan providers, the main comparison points should be interest rates, loan terms, and terms and conditions. Whatever your needs, Vehicle loan providers in New Zealand have the solutions.