New Zealand Car Loans



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Car Loan Repayments

Use our car loans finance calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across 48 months. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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Our customer rating

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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Get a Car Loan Today, Drive Away Tomorrow

It’s important to find a car finance lender that moves quickly, otherwise by the time you have approval for a car loan, the vehicle you wanted may have already sold. With Quick Loans, you can apply for a car loan today. Our team can approve your vehicle finance within 60-minutes, subject to affordability tests & in accordance with responsible lending checks, and we can get your money to you on the same-day* if you are super organised.

At Quick Loans, we specialise in giving fair, fast car finance for vehicle purchases, including trucks, boats, caravans, motorbikes and we even provide vintage car loans. Whether this is your first or fifth car loan, we’ll let you know how much you can safely borrow and get you the funds fast, even if you’ve been rejected for a loan in the past!

Apply for pre-approval car financing today on a range of vehicles, including:

  • Economical family cars to make your commute fast and cheap
  • Light trucks and vans for your business or trade
  • Campervans and caravans when you’re ready to hit the outdoors
  • Taxis and other transport vehicles
  • Motorbikes, four-wheelers, Jet-skis, Boats, and more
  • Vintage car loans

At Quick Loans, our car loans terms include:

  • Low interest rates from 9.95%
  • No early settlement fees
  • Minimum 6-month loan term
  • 100% online application
  • Fast response confirmation
  • Flexible lending criteria

Our Car Finance Approach at Quick Loans

Our pre-approval process at Quick Loans allows people to search and negotiate for a car with confidence. We don’t hide our low interest rates, costs and fees, meaning you’ll know exactly how much you can borrow, how affordable the repayments are, and how much your budget is for your new vehicle.

We’re here to make car financing as simple as possible. We’ll even check that the car you’re thinking of buying doesn’t have any outstanding finance on it (ensuring your purchase is risk-free) by checking the Personal Property Security Register (PPSR).

When you apply for your car finance with Quick Loans, you won’t need to put down a deposit or wait years to save the cash you need. Simply apply for a vehicle loan with the competitive interest rates that Quick Loans offer to pick up the keys to your dream ride.

If you’re ready to arrange finance for your new car, the next step is easy. Simply click the Apply Now button and enter your details. If you’d prefer the personal touch, feel free to give us a call and we’ll help you through the process.

Don’t forget to check the insurance costs for the vehicle in advance too. It’s important to factor this into the amount you want to borrow.

Talk To Us Today – Get Instant Finance Today


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Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here are our car loan FAQs

Is there a maximum age limit for vehicles purchased with a car loan or vehicle finance deal?

Ideally cars and vehicles will be no older than 13 years, although cars older than 13 years may be used if other collateral is also offered. We will definitely consider classic or vintage car purchases.

How do I apply for a Car Loan?

We have made our personal loan application process as easy as possible for our customers. You can apply for car loans online or in person with Quick Loans. If you need an answer super fast, then apply online today.

How much can I borrow with Car Finance?

Quick Loans offer instant finance approval on secured Car Loans from $1,000 to $20,000. The amount you can be approved for is calculated on the value of the security you can offer. We also structure your repayments to suit your pocket and coincide with your payday.

How long does it take to get vehicle finance approved?

Our customers need money fast so we act fast. Provided you’ve given our finance company all the details, we can let you know if your Car Loan has been approved within 60 minutes of processing your request.

How long does it take to get the money?

Once your Car Loan is approved, and documentation signed, the money is available in your bank account the same day or the next business day. Car financing is simple with Quick Loans. 

Do I need perfect credit history to apply for a Car Loan?

You don’t need a perfect credit history for a Car Loan. As we’re not a bank, we look for reasons to say yes to your Car Loans rather than saying no. However, we are unable to lend to anyone who is currently bankrupt or who has recently filed a ‘No Asset Procedure’. We are responder lenders and adhere to the responsible lending code of New Zealand. 

What happens once my Car Finance is approved?

We prepare the Car Loan paperwork and have you sign it. Most loan paperwork can be signed electronically from your home or work.

Please note, we will need to see your photo ID before the paperwork is signed off.

Are there any surprises in the small print?

No. We go over the terms and conditions of the Car Financing Contract with you before you sign to make sure you understand everything clearly. There are no surprises.

Will it cost me if I pay the Car Loan back early?

No. We do not have an Early repayment fee.

Easy, Fast Loans With Our ‘Digital Signature’ Service


You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today! Click here to start the process.