Don't let the dealer arrange your car finance. Apply once through Lending Room and we match you to the specialist vehicle lender from our panel most likely to offer you the best overall car finance deal in NZ.
We are an independent NZ car finance broker. We are on your side — working to find you the best overall deal from our panel of 20+ vetted NZ lenders.
We run one soft credit check during our assessment. It does not appear on your credit file and does not affect your score — no matter how many lenders we approach on your behalf.
Our panel includes banks, non-bank lenders and specialist vehicle finance lenders not available direct to consumers. We match you to the one most likely to offer the best car finance deal for your situation.
One short form. Tell us the vehicle you want and your basic situation. We handle the matching, the lender conversations and the follow-up — you just wait for your car finance options.
Car finance rates in NZ range from 8.99% to 29.95% p.a. (AIR). The rate you receive depends on your credit profile, loan amount, term and lender — which is exactly why matching you to the right lender matters.
In most cases you will hear back the same day you apply. Same-day funding is possible for car finance applications approved before 12pm on business days.
We match you to the most favourable overall car finance package for your situation — not just the lowest headline rate. That means rate, term, fees, repayment structure and lender fit. We walk you through the full cost of any offer before you commit. No obligation at any stage.
Get My Car Finance DealFrom a family SUV to a classic car, we match you to the right NZ vehicle finance lender for your specific purchase.
Finance a brand new vehicle from a licensed NZ dealer. Competitive car finance 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 vehicle finance lenders on our panel can help with your specific purchase.
One application. One soft credit check. No obligation to proceed.
One short form. We handle the lender matching, the follow-up and the hard work — you just wait for your car finance approval.
Takes about 5 minutes. Tell us your vehicle finance amount, the vehicle you want and your basic situation. Just the once — we do the rest.
We run a soft credit check and match you to the car finance lender on our panel most likely to offer you the best deal — across rate, terms and fees. No credit score impact from our check.
Our team contacts you with your car finance approval and walks you through the full offer. Settle your loan and receive up to $500 cashback. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. Get a better car finance deal. Get up to $500 back.
Understanding the difference between dealer finance and independent car finance can save you thousands over the life of your loan.
Arranged through the car dealership at point of sale
Independent NZ car finance broker — we work for you, not the lender
Dealer car finance arrangements vary. Always compare your vehicle finance options before committing to any loan.
Use our car finance calculator to estimate your repayments. Actual rates and fees depend on your profile and the lender — get your actual rate in 5 minutes.
Calculator is a guide only. Actual car finance 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 finance deals from our panel of specialist vehicle lenders.
You are employed
Full-time, part-time or self-employed with verifiable NZ-based 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 car finance applicants who have a clean or near-clean credit record.
Vehicle finance between $3,000 and $250,000
Car finance terms from 6 to 84 months.
Vehicle meets lender requirements
Age, condition and vehicle type may affect which car finance 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 car finance 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
Many NZ lenders decline visa holders outright. We work with lenders on our panel who specifically cater for employed visa holders with stable NZ income and a good credit history — one application, no credit score impact from our check.
Common questions about car finance and vehicle loans through Lending Room NZ.
Can't find what you're looking for? Contact our team
Car finance and car loans refer to the same thing in New Zealand — borrowing money to purchase a vehicle and repaying it in regular instalments over an agreed term with interest. The terms are used interchangeably. Whether you search for car finance NZ or car loan NZ, we can help you find the right lender and the best overall deal for your situation.
Yes. We work with lenders who accept both dealer and private sale used vehicles. The age and condition of the vehicle may affect which car finance 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 car finance 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. Car finance pre-approval gives you a clearer budget before you start shopping. You can walk into a dealership knowing exactly what you can spend and avoid being pressured into dealer finance on the spot. Ask our team about this when we call you with your options.
Car finance rates in NZ range from 8.99% to 29.95% p.a. (AIR) depending on your credit profile, the vehicle, loan amount and term. The rate you receive will be specific to your situation and the lender we match you to. Our team will walk you through the full cost of any car finance offer before you commit to anything.
The minimum car finance amount is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Car finance terms range from 6 to 84 months.
Same-day car finance 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 finance. Once settled our team will contact you with details on how to claim your cashback Prezzy Card. Minimum loan $10,000. Offer ends 31 May 2026. Full terms and conditions apply.
A broker and introducer fee of up to $1,500 applies when your car finance 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.
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Car finance rates in NZ range from 8.99% p.a. to 29.95% p.a. The rate you are offered depends on several factors including your credit history, income stability, employment type, the age and type of vehicle, and whether the car finance is secured against the vehicle or unsecured. No two borrowers receive the same car finance rate, which is why matching you to the right lender for your specific profile makes a real difference.
Secured car finance uses the vehicle as collateral, giving the lender more security and typically resulting in a lower rate. Unsecured vehicle finance carries more risk for the lender and usually attracts a higher rate. Most car finance in NZ is secured, meaning the lender holds an interest in the vehicle until the loan is repaid in full.
A low car finance rate can be offset by high establishment fees. Always compare the total repayable amount across your options, not just the rate. Our team walks you through the full cost of any car finance offer before you commit to anything.
Stretching your car finance over a longer term reduces your monthly repayment but significantly increases the total interest you pay. On a $20,000 car finance loan at 12.95% p.a., choosing a 72-month term over a 36-month term adds thousands of dollars in interest over the life of the loan. Use our car finance calculator above to compare total repayment across different terms before you decide.
If you can comfortably afford a higher monthly repayment, a shorter car finance term will almost always save you money overall. The calculator on this page makes it easy to see the difference.
Before settling on any used vehicle, search the Personal Property Securities Register (PPSR) at ppsr.govt.nz to confirm there is no existing car finance or debt registered against it. If you buy a car with undisclosed finance, you can inherit the previous owner's debt. A PPSR search costs a few dollars and takes minutes.
A Vehicle Inspection New Zealand (VINZ) or AA inspection gives you an independent assessment of the vehicle's condition before you commit to any car finance arrangement. For private sales in particular, this step can save you from expensive mechanical problems that are not visible at a viewing.
Factor in the full cost of ownership before you arrange car finance. Registration, warrant of fitness, insurance, fuel or charging costs and servicing all add to what a vehicle actually costs each month. A car finance repayment that fits your budget on paper can create pressure quickly if running costs are not accounted for.
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.
Offer applies to car loans settled between 1 April 2026 and 31 May 2026. Minimum loan amount $10,000. Cashback is paid as a Prezzy Card valued between $100 and $500 depending on the loan amount. Prezzy Card will be issued within 10 working days of the loan being finalised and paid out. Offer applies to settled car loans only. One cashback per customer. Moola reserves the right to vary or withdraw this offer at any time. Full terms and conditions available on request.
