Car loans NZ – fast & flexible vehicle finance
Whether you’re upgrading the family wagon, grabbing a ute for work, or finally buying that weekend motorbike, Real Finance makes it simple to fund the wheels you want—without endless paperwork.
Why choose a vehicle loan with Real Finance?
Fast online decisions
Apply in five minutes and hear back within the hour
Tailored to your financial situation
We match loan amount, term and interest rate to your cash-flow, not somebody else’s spread-sheet
Fixed interest rate for certainty
Know exactly what each repayment will be for the life of the loan
Flexible repayment options
Pay weekly, fortnightly or monthly, and make extra payments anytime with no penalty
Secured or unsecured
Use the vehicle (or another asset) as security for sharper pricing, or keep it unsecured for speed
NZ-based support
Talk to real people who understand Kiwi roads and CCCFA responsible-lending rules
What can a vehicle loan cover?
- New or used cars from dealers or private sellers
- Utes, vans and light commercial vehicles
- Motorbikes, scooters, e-bikes and ATVs
- Campervans, caravans and trailers
- Mechanical repairs, rego/WOF and insurance shortfalls
- Modifications or accessories (tow-bars, racks, EV chargers)
Eligibility & required documents
- NZ driver licence or passport for each borrower
- Three months’ bank statements (PDF or CSV)
- Proof of income – recent payslips or GST returns
- Sale details – dealer invoice or signed private-sale agreement
- Insurance confirmation (for vehicles over $20,000 or when used as security)
How much will it cost?
Use our car-loan calculator—enter your preferred loan amount, term and repayment frequency. It shows principal, interest and all fees up-front. No early-repayment penalties mean you’re free to pay the loan off sooner and save.
Available loan amount
From $2,000 to $50,000
Terms
2 – 60 months
Repayments
Starting from $70 per week
Security options
Use the asset you already have or are purchasing
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Vehicle loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I thought it would take days once we started the process, but we were driving our new car the day after making contact!”
Frequently asked questions
Can I buy from a private seller?
Yes—simply send us the signed sale agreement and we’ll pay the seller directly once the loan is approved.
Do I need a deposit or trade-in?
Not always. A deposit can lower your interest rate and repayments, but 100% finance is available subject to credit and security.
How is my interest rate decided?
We assess your credit history, income stability, loan size, term and any security you provide to set a fair, fixed rate.
What if my financial situation changes?
Call us early—we can look at extending the term, switching to interest-only for a short period or other hardship solutions.
Can I top-up the loan later?
Often, yes. If your repayment record is strong, we can review a top-up or second facility within minutes.
Ready to get on the road?
Apply online now or phone 0800 21 21 21 to talk through a car-loan solution that gets you driving sooner.
We’re here to help
Have more questions about car-loan limits, secured vs unsecured options, or repayment timing? Contact our team for personalised support.
