• Borrow from $3,000.
  • Get pre-approved, so you know in advance how much you can afford to spend. When you find the perfect car and all the paper work is complete, we can transfer the funds the next business day.
  • Fast answers. Apply online before 4pm weekdays and we’ll be in touch within two hours – apply online after 4pm and we’ll get back to you by 10am the next business day.
  • Flexible terms to suit your needs - from six months to seven years. Choose lower repayments with a longer loan term, or pay less interest with a shorter term. Repayments can be timed around your pay day, making it easier to stay on track.
  • Low early repayment fee – if you pay your loan off early, we’ll only charge you $10.

See our current interest rates and fees.

Begin the join process:

Why get pre-approved?

Pre-approving your car loan means:

  • Buy anywhere – privately, online, at an auction or car yard.
  • Know upfront how much you can spend.
  • Negotiate like a cash buyer – once you’ve found the car you want, we can transfer the funds the next business day.

Vehicle requirements

  • The vehicle must be worth at least $5000.
  • The vehicle needs to be comprehensively insured throughout the term of the loan. Find out more about vehicle insurance.
  • The vehicle must have a current Warrant of Fitness and Registration when you purchase it.


To apply for a car loan you must:

  • be 18 years of age or older
  • have a New Zealand licence suitable for the vehicle you’re buying
  • be a New Zealand resident
  • have a good credit history. A credit check will be done as part of the application process.

Car loans are provided by GE Finance and Insurance trading as GE Money. Kiwibank may receive a commission for referring a car loan to GE Money. GE Money’s lending criteria, terms and conditions, and fees apply.