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Car Finance

Purchase your perfect car and spread the cost over a time frame that suits you. You could even be conditionally approved, meaning you know exactly how much you have to spend. You can then shop like a cash buyer to get a better deal.

As like any credit agreement, you will be able to reduce the monthly repayment by extending the finance term. Although it's important to remember that the longer the repayment period, the more interest you will pay. Compare the different car financing options below.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.


Kiwibank Car Loan - 12.99% to 18.95% APR Representative

Find out more & apply online now
  • $2,000 Minimum loan amount
  • Repay over 6 to 84 months
  • Interest rates start from 12.99% - Maximum APR of 18.95%

Kiwibank offer a pre-approval service on all car loans so you know exactly what you have available to spend. Once you find the perfect car, and the paperwork is complete, Kiwibank will then transfer the funds to your account the following working day. You will be able to borrow anything from $2,000, although the car must be worth at least $5,000. Kiwibank offer flexible terms to suit your repayment needs – from 6 to 84 months. If you decide to pay off your loan early you will only be charged a low repayment fee of $10.



Representative example: assumed borrowing of $10,000 over 60 months at a fixed rate of 12.99% per annum and fees of $250 would result in a representative rate of 12.99% APR (fixed), monthly repayments of $227.48, total amount repayable is $13,648.77

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