Car loans.

Get a loan for your next new or used car, ute or van with our personal service, tailored to you. Talk to one of your local lending specialists about the best vehicle finance for you and your budget.

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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

Get a car for you, or a van for the family

Our car loans make getting the vehicle you want easy. You can borrow from $2,000 to $500,000 as long as we're confident you can manage the repayments.


How we can help

  • Find the right loan to suit what you want to do.
  • Tailor repayments to your income – weekly, fortnightly or monthly.
  • Find the best interest rate.
Trustpilot

Why choose us

Here's some reasons why our customers trust us to help them get what they need.
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We are here for you
Straight-up service, honest advice and support that's just a phone call away.
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Same-day approval
We can usually let you know how much you're approved for on the same day you apply, subject to responsible lending inquiries and checks.
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We take the stress out of finance
Online, over the phone or in person, we’ll guide you through your options to see what’s best for you.
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Locals backing locals
With MTF, you build a relationship with the same person - your local lending advisor. Chances are they’re the ‘give us a call’ type, so say goodbye to 0800 numbers and hello to personal service.

Need a car and a loan?

Our nationwide network of dealers can help you find a vehicle that meets your needs and is within your budget. Whether you buy from one of our dealers, privately or online, we can help.

Protect yourself from the unexpected

Payment Waiver

You can’t predict when you might be affected by redundancy, illness, injury or even death. Payment Waiver may provide protection if the unexpected happens.

Mechanical Breakdown Insurance

We offer mechanical breakdown and motor vehicle insurance packages to protect you from unexpected expenses. The cost of these options can be included in your repayments.

How to apply for a loan

It's only three easy steps to apply with us.

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Apply online or in person

You can start your application online, over the phone or pop into one of our 50+ offices across New Zealand.

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Talk with us

We’ll work with you on a loan that suits your needs.

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Get approved

Share some supporting documents, and we’ll get right on to it.

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 Finance 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 you can manage the repayments.

If you apply in person and bring the necessary proof 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.

No. The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term.