Car Finance

Car Finance
Apply Now
Interest rates

From 8.99%

Loan term

1 to 7 years

Online application

5-10 minutes

Loan approvals

Fast and simple

Close up of a young couple doing their bills in the kitchen

Need to find car finance NZ can trust? Has your car finally run its course? Maybe you need to upgrade to accommodate for your family? Read on to find out more about what the team at Max Loans can offer.



How does car finance work?


It’s easy. When you’re looking to buy a car, you’ll have much more bargaining power over car dealers when you already have the money you need pre-approved. On top of that, knowing your maximum limit aids the budgeting process immensely. When you know exactly how much you are able to spend on a new car, you are able to avoid the disappointment of realising you have been pursuing a vehicle you can’t really afford.


Some dealerships have very strict lending criteria – which is why it’s so helpful to be pre-approved with a finance company such as Max Loans. We know exactly who to talk to about finding you the right loan – and the lowest interest rates – so we can find you the car loan that suits your target figure and financial position.


However, just keep in mind that any time you’re thinking of borrowing money, you need to understand the risks going in and what you are committing to. Get in touch with Max Loans to help you better understand these risks and what we can do for you specifically!



What can I use car finance for?


You aren’t limited to only spending your car finance on vehicle purchases. If you need to take out a car loan and decide to use some for surprise medical bills, a wedding, or even a holiday – it’s completely fine to use a loan for more than one purpose. Don’t forget that you can borrow more by making a secured personal loan, and pledging an asset such as your home, or the home of someone you know, who is willing to act as your guarantor.



Why get a car loan through Max Loans?


There are a number of reasons why Max Loans car finance is a great option when you’re looking at new vehicles:

  • When you’re pre-approved you are able to act like a cash buyer, whether it’s through a dealer or via a private sale.
  • The interest rates offered on car loans we arrange are competitive and fixed.
  • You can extend car loan terms to up to 7 years, bringing your repayment amounts down.
  • Repayments can be matched to when you get paid, eliminating the need to budget ahead.
  • We will consider you for a loan no matter what level of driver license you currently hold, as long as you do currently hold one.
  • We have excellent insurance options as well, which can save you time and money.



How much can I borrow?


To see how much you could be able to borrow, try out our personal loan calculator. Please be aware that the calculator is an estimate, and the actual amounts may go up or down depending on your circumstances. These estimated repayment amounts are based on an average interest rate of 17.95%, and also includes establishment fee, security registration and administration fees.



Max Loans is here to help


Our fee schedule is available on request and will be covered within your loan offer. We are here to work the hardest we can for you so rest assured, Max Loans will do its best to arrange the lowest interest rate possible. No matter what you need, Max Loans can design a loan for you.


Talk to us today to see what we have to offer!

Latest personal loan news & tips

  • Happy man laying on bed with his daughter and pregnant wife at home

    Baby On The Way: Consider Home Improvements Or A New Car?

    With a new baby on the way, you may be considering investing in home improvements to create the perfect nursery or upgrading your car to something larger and more family friendly. Whether you choose to redecorate or renovate your home, upsize your car or buy......

  • A white electric vehicle charging.

    Considering An Electric Car? We Can Help With Car Finance!

    Electric vehicles (EVs) are revolutionising the automotive industry, offering a cleaner and more sustainable alternative to traditional petrol and diesel-powered cars. In New Zealand, the popularity of EVs is on the rise, driven by environmental consciousness, government incentives, and the rising cost of fuel. If......

Read More

Use our loan calculator and apply for your loan now