Vehicle Finance | Personal Loans | Lending People NZ
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Vehicle Finance

Go shopping for your new vehicle as a cash buyer, with an unsecured car loan.

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- Based on 0 reviews

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ESTIMATE YOUR REPAYMENTS

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Borrow up to $30,000 and enjoy a stress-free car loan experience that suits your needs.

Fairer

Clearer Fees

$174 Establishment Fee.

$0 Monthly Fee.

$0 Early Repayment Fee.

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If we can't approve your application, we can seek other options from a panel of trusted lenders.

Loan Repayment Calculator

$10000|

$1,000

$30,000

FOR HOW LONG

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ESTIMATED REPAYMENTS FROM

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Calculated at an example rate of 14.95% p.a.² Not an offer of finance.APPLY NOW

Enjoy the flexibility of an unsecured car loan.

get your rate

Unsecured car loans give you the freedom to choose almost any vehicle you like, without the usual age, type, or condition restrictions that come with secured loans.


Are you looking for a little more help?

You can buy a vehicle privately, but remember, the Consumer Guarantees Act won't cover you, and sellers aren't obliged to give detailed vehicle information like history, condition, or existing debts.

You can discover your personalised rate in just a few moments. Our unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

Your loan repayments depend on the amount borrowed, your interest rate, and the loan term. Use our loan calculator to estimate your repayments.

Yes, you can pay off your loan in full at any time. We do not charge an early repayment fee.

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- Based on 0 reviews

Excellent Service

The Lending People made the loan process so simple and straightforward. Highly recommended!ds

Sarah M

Jan 15, 2024

Excellent Service

The Lending People made the loan process so simple and straightforward. Highly recommended!

Sarah M.

Jan 15, 2024

Excellent Service

The Lending People made the loan process so simple and straightforward. Highly recommended!

Sarah M.

Jan 15, 2024

Excellent Service

The Lending People made the loan process so simple and straightforward. Highly recommended!

Sarah M.

Jan 15, 2024

Excellent Service

The Lending People made the loan process so simple and straightforward. Highly recommended!

Sarah M.

Jan 15, 2024

Go shopping for your new car as a cash buyer.

  • Avoid unnecessary upsells
  • No obligation, no pressure
  • Stronger negotiating position


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Already have a car loan? Don't miss out on potential savings! Use our platform to see if we can offer you a lower rate on your existing loan. It's a simple, smart move that could save you money.

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Looking for something else?

Personal Loans

Get your personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.

Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
Learn MoreGet your rate

Debt Consolidation

Combine multiple loans and credit cards into a single loan with one easy payment.

Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
  • Personal Loan
  • Debt Consolidation Loans
  • Vehicle Finance

¹All approvals are subject to responsible lending inquiries. If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.


²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. A default fee of up to $95 may be charged at 31 days and at 61 days in arrears. Where another provider is the creditor, provider-specific establishment fees, monthly fees, early repayment fees and default fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. A copy of our contract (Provided by MTF Finance) can be found here.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.

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