• Personal Loans
  • Vehicle Finance
  • Debt Consolidation
  • Guides & Insights
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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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Excellent - Based on 2399 reviews

Couple standing next to new car

Lending people freedom.

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Simple
100% Online

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

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Fee
Freedom

$0 Establishment Fee.
$0
Monthly Fee.
$0
Early Repayment Fee.
$0
Fee for Lump Sum Payments.

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One-stop
Shop

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

How does this work?

We make lending a breeze.

Get a 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
  • Loan terms from 1 year to 5 years
  • Weekly, fortnightly, or monthly repayments
  • Personalised interest rates fixed for the term of the loan

Say Goodbye to Fees and Hello to Freedom.

  • $0 Establishment Fee
  • $0 Monthly Fee
  • $0 Early Repayment Fee
  • $0 Fee for Lump Sum Payments


^If your loan exceeds its limit due to missed payments, a $60 fee is charged after 31 days and an additional $60 if it remains over the limit after 61 days.

Boost your likelihood of approval.

If we can't approve your loan, our dedicated team can help secure offers from a range of other trusted lenders, including:

  • Avanti Finance, Finance Now, Latitude Financial Services (GEM), MTF Finance, Nectar, and Unity Credit Union

We have helped customers secure over $400 million in personal loans this way. Provider-specific establishment fees, monthly fees, and early repayment fees may apply.

Loan Repayment Calculator

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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
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Fee Freedom

Say Goodbye to Fees and Hello to Freedom with Lending People!⁴

For a limited time, until 31st March 2024.

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Enjoy the flexibility of an unsecured car loan.

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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.

Trustpilot review stars

Excellent - Based on 2399 reviews

Seamless

The process was seamless and the dedicated advisors was an absolute god send.

Tyrese A, NZ

Jan 17, 2024

Excellent service

Excellent service and communication. Such an easy and efficient process

Alex, NZ

Dec 19, 2023

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 11, 2024

Such a positive experience

Simple online platform. Easy to navigate. Staff interaction and communication is excellent.

Justine, NZ

Jan 22, 2024

Transparent

The process was so simple and fast. The whole process and loan disbursement was in less than 24 hours. The customer service was great. High level of transparency.

Kavin, NZ

Dec 7, 2023

Seamless

The process was seamless and the dedicated advisors was an absolute god send.

Tyrese A, NZ

Jan 17, 2024

Excellent service

Excellent service and communication. Such an easy and efficient process

Alex, NZ

Dec 19, 2023

Go shopping for your new car as a cash buyer.

  • Avoid unnecessary upsells
  • No obligation, no pressure
  • Stronger negotiating position
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Two woman sitting on car

It pays to
compare.

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.

  • Loan Types
  • Personal Loan
  • Debt Consolidation Loans
  • Vehicle Finance
  • Important Information
  • Privacy Policy
  • Verifying Your Income
  • Disclosure Statement

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. For a limited time, until 31st March 2024, this establishment fee is waived. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions.

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.