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Heartland Car Loan FAQs

Click below to see the answers to some of our frequently asked 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.
To be eligible, you must be at least 18 years of age, have a full or restricted driver license, and intend to remain in New Zealand. This is not an exhaustive list – we evaluate each car loan application individually to determine eligibility.
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.
If you’re applying for a car loan with your spouse or partner, you’ll need information regarding their personal details, income and expenses. Expenses should be entered into the application as a combined whole for the both of you as a couple.
Yes. We also offer finance for boats, jet skis, caravans and motorbikes.
Yes, in some cases this is possible. Please leave your details here and we’ll be in touch with you.
$5,000 is the minimum amount that can be borrowed.
We will be in contact within two business hours from receiving your application. This might be the next working day, depending on what time you apply.
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