Vehicle finance

We’ve teamed up with GE Money to help you get the car you want. Before you take your first test drive, talk to us about getting pre-approved. It’s fast, free, and you’ll know exactly how much you have to spend.

Features:

  • Great interest rates and low fees.
  • Borrow from $3,000 — no deposit required
  • 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. Keep repayments down 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.
  • Join online
  • Join on the phone
  • Join at a local Kiwibank

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 afford to spend
  • Negotiate as a cash buyer – once you’ve found the car you want, we can transfer the funds the next business day.

Vehicle requirements

  • The vehicles must be less than 15 years old at the end of the loan term
  • The vehicle needs to be comprehensively insured throughout the term of the loan. Check out our simple, economical vehicle insurance.

Eligibility

To apply for vehicle finance, you must:

  • be 18 years of age or older
  • have a 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.

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