Borrow
$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.
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* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, you’ll get up to 48 months to repay your loan, with affordable weekly or monthly instalments. We offer competitive interest rates ranging from 13.95% to 26.98% p.a. depending on the purchase you’re making, your credit score and the term you’re looking to borrow the funds for. For full details, including early repayment options, terms and conditions, establishment fees and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. Quick Loans operates in full compliance with New Zealand’s Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
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% p.a.
- No early settlement fees
- Minimum 6-month loan term
- 100% online application
- Fast response confirmation
- Flexible lending criteria
- Low establishment fee
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.
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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.
STEP 1
Complete our quick and simple loans online application form in only 7 minutes.
STEP 2
Your application is assessed by human – not a computer who’ll call you back within 60 minutes.
STEP 3
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.
APPLY NOWHere are our car loan FAQs
Is there a maximum age limit for vehicles purchased with a car loan or vehicle finance deal?
Ideally, used 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. That said, we will definitely consider classic or vintage motor vehicle purchases. We’re a classic car finance specialist and can customise a loan to suit.
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, on the phone by calling us on Ph: 0800 200 275, or in person in our Christchurch lending office. If you need an answer super fast, then apply online today. You’ll need a valid NZ driver’s license, be at least 18 years of age, a New Zealand resident, you’ll need to provide bank statements and a proof of address for the approval process.
How much can I borrow with Car Finance?
Quick Loans offer instant finance approval on secured new or used Car Loans from $3,000 to $30,000. 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?
Once your Car Loan is approved, we will offer you an offer of finance. If you’re happy, you’ll sign the documentation we send you, and within 24 hours, the money will be available in your bank account. This often occurs the same day or the next business day. Car financing is simple with Quick Loans.
How long does it take to get the money?
Our customers often need money fast, so we can usually create a personal loan for a car within 24 hours, subject to lending criteria and the applicant having a good credit history. 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.
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 loan is approved?
Once approved, our lending team prepares the car loan paperwork for you to sign with repayment options, the term of your loan, the interest rates and finance rates all documented for you to read over. We want you to be 100% comfortable before borrowing the funds. Most loan paperwork can be signed electronically from your home or work, and once signed, we’ll transfer the money into your account within 1 business day.
Please note, you will need to be a New Zealand citizen or permanent resident, and 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, but if you’re unsure, please call us on 0800 200 275 to go through your loan agreement.
Will it cost me if I pay the Car Loan back early?
We discuss all the fees and terms before you take out the loan. 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.