Car finance, explained plainly.
Straight answers on New Zealand car loans: which lender, which loan type, and what it really costs.
Check my optionsFree. A real person calls you back. Not a quote or an offer of credit.
The lower weekly payment is not always the cheaper loan.
Put two quotes side by side. We add up the rate, the fees and the term, and show which one costs less in the end.
Quote ACosts less
$
%
$
Each week
Total to pay
Quote BCosts less
$
%
$
Each week
Total to pay
Find a lower rate
Example figures. Type in your own quotes. Estimates only, not a quote or an offer of credit.
Questions people ask
Why compare the total, not the weekly payment?
A longer term makes each payment smaller, but you pay interest for longer. The total you pay back, fees included, is the fair way to compare two loans.
Does comparing quotes here affect my credit?
No. The numbers you type stay in your browser and we do not check your credit. Checking your options is a separate step that you choose.
Are you a lender?
No. We are not a lender or a car dealer. If you ask us to, we pass your details to a broker partner, who may pay us a fee if a loan goes ahead. That never changes your rate.
Do lenders pay to appear on this site?
No. We write about lenders from what they publish themselves, and who pays us never decides what a guide says. See how we're paid on our disclosure page.
Can you tell me if I will be approved?
Nobody can promise that. Every lender does its own checks and decides case by case.