Need some help to get new wheels? You can tailor a car loan that fits your budget, with fixed interest repayments.

Key features and benefits

The interest rate you get on a car loan will vary depending on a number of factors including the amount borrowed, term, your credit rating and security offered. The interest rate and repayment amount will remain the same for the term of the car loan.

  • Choose a loan period from six months to seven years.

  • The interest rate is fixed, but you can make additional repayments at any time, so you can pay off your loan faster.

  • Fast answers - find out how much you can borrow by calling our team on 0800 549 454 or using our online application form and in most cases we'll be in touch within 24 hours.

Rates and fees

Interest rates

Interest rates for secured car loans range from to

Establishment fee

$240, or free if you're a Graduate Pack customer

Late payment fee

$35 per late payment

Payment handling fee

You can make a loan payment in cash at your local PostShop, you'll be charged $1.50 per payment.

Interest rates are subject to change.

How it works

Apply now

Apply online and we'll aim to get back to you within 24 hours (excludes Sundays). If you'd rather talk to someone, call us on 0800 549 454

Apply online

Apply online and we’ll get back to you within 24 hours in most cases (excludes Sundays). If you need any help with your online application call us on 0800 588 002.

Apply now

In branch

You can also visit one of our branches, whether you're new to Kiwibank or already a Kiwibank customer.

Find my nearest Kiwibank

Work out your repayments

Our personal loan calculator will give you an idea of what your repayments might be, how long it'll take to pay off the loan and what the total interest might be.