Car Loans and Vehicle Finance NZ

  • Vehicles on finance
  • Competitive Car Loan Rates
  • Flexible Terms
  • Apply Online in Minutes!

New Zealand Car Loans

Looking for a simple and reliable way to finance your next vehicle?


At Exceed Finance, we make the process easy and clear. Whether you’re buying a new or used car, our vehicle loans are designed to fit your needs. With our transparent terms and dedicated support, you can feel confident in your decision and focus on enjoying your new ride.

Here’s what we offer:

  • Finance for all vehicles: New cars, used cars, utes, vans – you name it, we finance loans for it.
  • Pre Approved Car Loan: Get pre approved vehicle finance and know your budget before you hit the dealerships.
  • We Work For You: Our team finds vehicle finance options that fit your life, not the other way around.
  • Expert Support: Friendly, local specialists ready to guide you every step of the way.

Connect with our team, apply, and drive away in your dream vehicle. It’s that simple.

Apply online in minutes. Start Your Journey Today.

Get New Zealand Car Finance With Exceed Finance


Submitting a simple online application with Exceed Finance could not be easier. Just fill out our online application form and submit the relevant documents.


Our quick processing times and flexible hours make it clear that you are our priority! We aim to get back to you within an hour, allowing you to enjoy fast approval!


Once your loan has been approved, we guide you along the next steps to get the best car finance NZ can offer so you can drive your dream car away as soon as possible.

Calculator for Car Finance

Try our calculator for car finance in NZ to get an estimate on what your loan repayments may be, how much you may be able to borrow, as well as potential interest rates for your vehicle finance.


Exceed Finance creates you personal car loan and finance to ensure your get the best financing for a car while striving towards getting you the best car loan interest rate as possible. 


*Interest rate is indicative range only. T&Cs, Fees, and lending criteria will apply. This calculation is a guide only, not a quote.

vehicle finance


Get vehicles on finance New Zealand Wide!


Whether you’re in Auckland, Rotorua, Wellington, Christchurch, Invercargill, or anywhere in between, Exceed Finance will help you out.


We are proudly Kiwi owned and strive to support New Zealanders to get the loan for a vehicle they desire.



Find the perfect vehicle finance option for you – Start your application now!

vehicle finance NZ


Our goal is to provide you with the best vehicle loans NZ has to offer. 


Whether your vehicle of choice is a car, van, ute or something else, we have your back.


Exceed Finance does this by personalising your vehicle loan to suit your needs.


We work with our lenders to give you the lowest vehicle loan interest rates, as well as car loan repayments that match your needs (such as weekly, fortnightly or monthly loan repayments).


Try our vehicle finance calculator which allows you to explore different repayment scenarios, ensuring you find the perfect fit for your needs.


Apply with Exceed Finance for all your motor vehicle finance needs now and experience the difference of working with a team that truly cares about your success.

vehicle finance NZ
Finance a Car NZ

Car Finance NZ

We offer car finance NZ wide.


Our team will work closely with you to ensure you get the best car financing, including the lowest interest rates possible with car finance terms that suit your goals.


Pay off your car on finance weekly, fortnightly or monthly – whichever suits your financial situation.


Whether you’re wanting to finance a car for $5,000 or $500,000, we’ve got you covered!


Take advantage of our competitive interest rates and flexible terms and apply for a car on finance today!

Car Loan Pre Approval

Buying a car is a big decision and it often involves securing a vehicle loan, which can sometimes feel like a daunting process. Thankfully Exceed Finance offers pre approved car loans to get your vehicle on finance, which can help simplify your journey.

  1. Know Your Budget: Pre approval for vehicle financing in NZ helps you understand how much you can afford, narrowing down your choices to ones within your budget. It also helps you to understand what your car loan interest rates and repayments are ahead of time.

  2. Saves Time and Effort: With a car loan pre approval in hand, you can shop with confidence knowing you’re qualified for a certain loan amount so you’re able to buy a new or used car as soon as you find the one you’re looking for.

car finance pre approval

Frequently Asked Questions

If you’re still shopping around for a new car, you can still apply for a vehicle loan with us. 


Applying for pre-approved car financing allows you to look around for your next car to buy while knowing how much you can afford to spend on it.


We can also connect you with trusted car dealerships that may be able to help you find the perfect car you’re looking for.

Exceed Finance offer car loans from $5000 to $250,000. The amount you can borrow for vehicle finance will depend on various factors.


Some of those factors include your credit score and whether you can afford the repayments when you finance a vehicle. 


Exceed Finance believes in responsible lending, and will work with you to find the loan for your car.

When getting vehicles on finance through Exceed Finance, all of the costs will be outlined in your loan agreement. This includes things such as interest rates and fees, as well as any establishment fee.

We pride ourselves on customer service, so please don’t hesitate to get in contact with us if you have any questions.

Yes, most car finance agreements allow you to pay off the remaining balance early, potentially saving you money on interest. However, some agreements may include prepayment penalties, so it’s essential to review the terms of your contract.

Even if you have bad credit, car finance may still be possible for you.

While having a good credit score will definitely increase your chances of getting your car loan approved, along with better rates and terms, we understand that sometimes things happen and our credit scores take a hit.

The best way to find out if you’re eligible is to send through an application, and we can make an assessment based on various factors. 

Why Choose Exceed?

motorhome loan

Great rates

motorhome loan

Easy Application Process

caravan loan


motorhome loan


Caravan loan


We work around your schedule

caravan loan


Tailored for your personal circumstances



or dial

0800 2 EXCEED - 0800 239 2333

exceed finance
exceed finance