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CAR LOANS

Looking for a new car?

Drive away in something bigger, safer or more economical. Interest rates from 10.95% p.a. to 13.95%.

Calculate your repayments
Car Loans

Calculate your repayments

Apply in minutes, get a decision in seconds.

*Your repayments have been calculated at the estimated interest rate above. Your interest rate will depend on your personal circumstances as explained here.
**The total fees above include an establishment fee of $249 and a security registration (PPSR) fee of $7.39.

Why choose a Heartland Bank Car Loan?

  • Interest rates between 10.95% and 13.95% 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.
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