Don't let the dealer arrange your finance. Apply once with Lending Room and we match you to the lender from our panel most likely to get you a better deal on vehicle finance. Rates from 8.99% p.a. with no impact on your credit score from our check.
Most people accept whatever rate the dealer offers. We help you do better.
We run one soft credit check that does not affect your score. Applying direct with multiple lenders leaves a hard mark every time. Once we match you, some lenders may run their own check as part of their process.
Our panel includes lenders who specialise in vehicle finance and may offer better rates than your bank or the dealership.
Same-day assessments available. Funding possible the same day for applications approved before 12pm on business days.
Finance for brand new cars, dealer used vehicles and private sales. Boats and jetskis too.
Choose a loan term from 6 to 84 months to suit your budget. Secured and unsecured options available.
Checking your options costs you nothing and commits you to nothing. You choose whether to proceed.
From a family SUV to a classic car, we match you to the right NZ lender for your vehicle.
Finance a brand new vehicle from a licensed NZ dealer. Competitive rates and flexible terms from 6 to 84 months.
Buying from a dealer or private sale. We work with lenders who accept both. Vehicle age and condition may affect lender availability.
Finance a new or used EV through our panel. We work with lenders who accept electric and hybrid vehicles including imported EVs.
Finance your campervan or motorhome purchase. New and used accepted. Lender criteria may vary based on age and build type.
Finance a new or used motorcycle or scooter. We match you to lenders who accept two-wheeled vehicles at competitive rates.
Finance a classic or vintage vehicle. Lender availability depends on age, condition and valuation. Apply and our team will confirm what is possible.
Finance new or used boats, jetskis, trailers and motors. Dealer and private sales accepted.
View boat and jetski loans →Apply once and our team will confirm which lenders on our panel can help with your specific vehicle.
One application. One soft credit check. No obligation to proceed.
One short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
Understanding the difference can save you thousands over the life of your loan.
Arranged through the car dealership at point of sale
Independent NZ loan broker — we work for you, not the lender
Dealer finance arrangements vary. Always compare your options before committing to any loan.
Use our calculator to estimate your repayments. Actual rates and fees depend on your profile and the lender.
Calculator is a guide only. Actual rates, fees and repayments depend on your profile and lender criteria. Rates from 8.99%–29.95% p.a. (AIR). Broker fee of up to $1,500 applies on successful funding.
We help employed New Zealanders with a good credit history get better car loan deals.
You are employed
Full-time, part-time or self-employed with verifiable income.
NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining.
Good credit history
We work with borrowers who have a clean or near-clean credit record.
Loan amount between $3,000 and $250,000
Terms from 6 to 84 months.
Vehicle meets lender requirements
Age, condition and vehicle type may affect which lenders are available. Our team will confirm this when we review your application.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of the vehicle you want to buy
Listing or dealer quote if available
Details of any existing loans or debts
Common questions about car finance through Lending Room.
Can't find what you're looking for? Contact our team
Yes. We work with lenders who accept both dealer and private sale used vehicles. The age and condition of the vehicle may affect which lenders are available to you.
We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once we match you to a lender and submit your application, some lenders accept our soft check while others may run their own standard credit check as part of their process. We will let you know before we submit.
In some cases yes. Pre-approval gives you a clearer budget before you start shopping. Ask our team about this when we call you with your options.
The minimum is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Same-day funding is possible for applications approved before 12pm on business days. Most applicants hear back the same day they apply.
Apply through Lending Room and settle your car loan. Once settled our team will contact you with details on how to claim your cashback. Terms and conditions apply.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
Rated 5 out of 5 on Trustpilot
One application, one soft credit check, matched to the right lender. Plus get up to $500 cashback when you settle your car loan through Lending Room.
