Vehicle finance you can count on.

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Your local money experts for vehicle finance

We've been helping Kiwis get behind the wheel since 1970. These days it's handlebars and helms too, but the one thing that hasn't changed is our commitment to great rates, tailored advice and local service.

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Car loans
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Boat loans
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Caravan loans
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Jetski loans
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Motorhome loans
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Motorbike loans
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Trailer loans

Start with confidence

Explore your options and even start your application - with no impact on your credit score.

I want to borrow

$15,000

$2,000

$100,000

For a term of

4 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

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Get moving, faster

Start online or give us a call - whatever suits you. Your local MTF Finance team reviews your application and gets the conversation started, with a swift decision to follow.

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Need a car with that loan?

Whatever your budget, we have a wide network of MTF-approved dealers who can help find the perfect set of wheels for you. Just look out for the yellow flag!

How a secured vehicle loan works

Our vehicle loans make getting the vehicle you want easy. The loan is secured against the car you’re buying, which means the vehicle acts as security against the loan. This often makes it easier to borrow and can give you access to more competitive rates.

You can borrow from $2,000 to $500,000, as long as we’re confident you can manage the repayments - putting you in the driver’s seat with a finance option that works for you.

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Protect yourself from the unexpected.

Payment waiver

When life throws you a curveball like redundancy, illness or even death, our payment waiver has you covered. Think of it as extra peace of mind for those ‘what if’ moments.

Mechanical breakdown insurance

Cars seem to love throwing us an unexpected cost or two. So we offer mechanical breakdown and motor vehicle insurance, to help make sure breakdowns don’t break the bank.

General insurance

We are all about trust here at MTF Finance. When it comes to protecting your assets, we trust AMI to do the right thing. Talk your local money expert about AMI insurance as MTF Finance customers get great rates and priority service

Don't just take our word for it

Hear what thousands of happy MTF Finance customers have to say.

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Understand the fine print

We want you to know what you’re signing up for. Learn about your rights and obligations, your loan’s interest rate and fees and how to be a responsible borrower.

What you need to apply

To help make the process quick and easy, it's worth having the below on hand when you start your application. All decisions are subject to responsible lending inquiries and checks.

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Proof of identity and 18+

We’ll need a valid New Zealand driver licence or passport to confirm your identity and at least 18 years of age, and help protect you from fraud.

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Proof of address

A recent document showing your current address helps us confirm where you live and meet our responsible lending obligations.

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Proof of regular income

Recent bank statements allow us to understand your income and everyday expenses, so we can make sure any loan offered is affordable for you.

Ready to go?

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Frequently asked questions

If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for finance with us.

Whether it drives, floats or flies, we can finance almost anything! We also offer loans for business vehicle and equipment. We can even offer loans for home renovations or that well-earned break, using an existing asset as security. MTF uses the asset you’re borrowing for (or an asset that you own) as a security for the loan. The asset must exceed $2,000 in value and have a serial number. If you have any questions or need more information about this process, just ask – we’ll be happy to help.

If you apply in person with supporting documentation, we can often transfer funds to you on the same day that the loan is completed. If it is for a vehicle purchase, we can also arrange to send the funds directly to the seller on your behalf.

You may borrow from $2,000 to $500,000, as long as you have sufficient security to support the loan and we’re confident that you are able to manage the repayments.

To consider your application, you must provide: – A valid NZ driver licence – A bank statement less than 30 days old in your name, showing transactions for the last 90 days – A bank statement, utility bill, rates, NZ Government documentation or insurance confirmation showing your name and physical address If you apply in person and bring these documents with you, we can usually give you an answer on the spot. All decisions are subject to responsible lending inquiries and checks.

We’ll talk through the loan document, make sure you understand your rights and obligations under the contract and then ask you to sign it. If you have any concerns or queries regarding the obligations you are entering into, we recommend that you seek advice from your lawyer or accountant before signing the loan document.

The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term.