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CAR LOANS

Great rates and a decision in minutes

7.95
%
p.a.
-
11.95
%
p.a.

Shift into gear with a new ride, whether for work or play, upgrade your vehicle with ease. Our car loan options make it simple to finance the perfect ute, van or car for your needs.

Calculate your repayments
7.95
%
p.a.
-
11.95
%
p.a.

What type of loan are you looking for?

Personal Loan

Ideal if you’re an individual or joint borrower looking to use your vehicle for personal use.

Business Loan

Suitable if you’re a sole trader, business, trust or partnership, using your car primarily for business operations.

Enquire now

Calculate your repayments

*Your repayment amounts have been calculated at the interest rate loan term you selected, and are based on the interest rate being constant for the entire loan term, however, your interest rate will depend on your personal circumstances, as explained here. Changes to interest rates and/or the repayment amounts will change this. Our quoted interest rates are subject to change. This calculator is a tool to estimate repayments and the total loan cost only, and is not an offer of finance by Heartland. Heartland's responsible lending criteria, terms, conditions and fees apply. **The total fees above include an establishment fee of $249 and a security registration (PPSR) fee of $7.39.

Great rates and a decision in minutes

Rates from

7.95
%
p.a.
-
11.95
%
p.a.

Why choose a Heartland Bank Car Loan?

  • Interest rates between 7.95% and 11.95% p.a., fixed for the term

  • Apply online anytime, anywhere

  • No hidden fees and zero-deposit finance available*

  • Providing Kiwis with car loans for over 70 years

*Heartland's responsible lending criteria, terms, conditions and fees apply, including an establishment fee of $249 and a PPSR fee of $7.39.

How does it work?

  1. Complete your application in minutes from your mobile phone, tablet or laptop.
  2. We’ll verify the information you’ve given us and conduct any further checks required.
  3. Sign your loan docs online, we’ll pay out the funds, and you can get behind the wheel!

What people say

I’ve taken out multiple loans with Heartland, and every time felt the process was professional, speedy and easy to complete. They are always willing to go the extra mile with respect to customer service. Double quote
Christchurch
I can confidently say my computer literacy is next to zero, but the quick responses and support I received from Heartland made this transaction an absolute breeze. Double quote
Auckland
This is my second time getting a car loan from Heartland, and you guys make it easy with the biometrics system and all the paperwork being online. A big thanks to the team for their help! Double quote
Auckland

Got questions?

For the full fee schedule, rates and terms click here.
Yes. Give our car loans team a call on 0800 85 30 30, and we’ll see what we can do to change your loan to suit your circumstances (there may be a fee to restructure your loan).
The security will be the car you’ve purchased, although we may ask for additional security and/or a guarantor.
Yes. If you want to increase the amount of your loan, give us a call on 0800 85 30 30. If approved, we can confirm this over the phone and you won’t need to fill in another loan application.
Yes. If you would like to know how much you can borrow before you go shopping for a car, you can apply for the loan as normal and, if approved, you can use the approval confirmation with any registered motor vehicle trader. If you’re purchasing from a private sale, we will pay the private seller on your behalf.
View more questions
Next repayment on 15 Aug 2025
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