Get a better deal on
your next car loan.
Don't let the dealer arrange your finance. Apply once with Lending Room and we match you to lenders who specialise in vehicle finance. Rates from 8.99% p.a. with no impact on your credit score from our check.
Our Trusted NZ Finance Partners
Our Trusted
Finance Partners
How Lending Room works
One short form. We handle the matching, the follow-up and the hard work.
Fill in one application
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We review and match you
We review your application and match you to the lender most likely to get you a better deal. We do a soft credit check at this stage so it does not hurt your score.
We call you with your options
Our team contacts you with the best options available. You choose, there is no obligation.
Ready to get started?
Apply in 5 minutes. One form reaches 20+ lenders.
A smarter way to finance your car
Most people accept whatever rate the dealer offers. We help you do better.
One soft check only
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.
Specialist vehicle lenders
Our panel includes lenders who specialise in vehicle finance and may offer better rates than your bank or the dealership.
Fast decisions
Same-day assessments available. Funding possible the same day for applications approved before 3pm on business days.
New and used vehicles
Finance for brand new cars, dealer used vehicles and private sales. Boats and jetskis too.
Flexible terms
Choose a loan term from 6 to 84 months to suit your budget. Secured and unsecured options available.
No obligation
Checking your options costs you nothing and commits you to nothing. You choose whether to proceed.
What can we finance?
From a family SUV to a boat, we match you to the right lender for your vehicle.
New car loans
Finance a brand new vehicle from a licensed NZ dealer. Competitive rates and flexible terms from 6 to 84 months.
Apply nowUsed car loans
Buying from a dealer or private sale. We work with lenders who accept both. Vehicle age and condition may affect lender availability.
Apply nowBoat and jetski loans
Finance your next water vehicle with a loan tailored to recreational vehicle purchases. New and used accepted.
Learn moreAre you eligible?
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.
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
Details of any existing loans or debts
Car Loan Repayment Calculator
Use our car loan calculator to estimate your repayments in seconds. Choose your loan amount, term and rate to see what you’ll repay weekly or monthly.
Walk onto the car yard with cash buyer power
Walk onto the car yard with cash buyer power
The best way to negotiate a great price on a car is to have your money sorted before you test drive.
Getting pre-approved for car finance means you know exactly what you can spend. It stops dealers from selling you on “monthly payments” and lets you focus on the actual price of the car.
With one simple form we connect you with premium Kiwi lenders for fast pre-approval so you can negotiate with confidence.
Won't affect credit score
Same-day assessments
Visa Holders Welcome
On a Work or
Resident Visa?
We compare top NZ lenders and negotiate to get you the best personal loan outcome. Rates from 8.99% p.a.*
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Loan Amounts
from $3,000
to $250,000
Interest Rates
from 8.99%
to 29.95% p.a.
Loan Term
from 6 months
to 84 months
Establishment Fee
Up to $450
Introducer
Fee
Up to $1,500
What can we help you make happen?
Big plans, everyday goals and everything in between. Apply once and we’ll help you find a loan that fits.
We’re perfect for you if you want:
- One safe application that won’t hurt your credit score
- Access to trusted NZ lenders, matched to your situation
- Visa holders welcome, including work and residency visas
- Faster answers so you can move forward with confidence
- Repayments structured to suit your pay cycle and budget
- Clear, upfront costs with no hidden surprises
- A friendly local team to guide you from start to finish
Won't affect credit score
Same-day assessments
Visa Holders Welcome
Car loan FAQs
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 3pm 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.
There is no upfront fee for borrowers. We are paid a fee by the lender only when a loan is successfully settled. Lender establishment and broker fees may apply and will be disclosed before you proceed.
What our customers say
Rated 5 out of 5 on Trustpilot
Ready to check your car loan options?
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.