Car Loans

Need to buy a new set of wheels? Hit the road sooner rather than later with a car loan from MoneyShop New Zealand’s favourite lender for over 28 years.

Happy Polynesian Male

Get the green light

Each of our online car loans is tailored to you and your needs. Whether you’re looking to buy your first car, or upgrade from a used vehicle to a new one, our online car loans can help you get behind the wheel.

Online car loans in NZ have never been easier. Don’t guess at your budget! With MoneyShops’ handy car loan calculator, you can see how long it will take to repay your loan, and how much the repayment amounts will be before you apply.

Here at MoneyShop, we believe in fast, easy, and ethical loans, and our loan application process reflect that! If you’re ready to hit the road, apply online for reliable car finance now!

How much do you need?
Amount $2000
Term 26 weeks
26 Payments
52 Payments
$100.63 per week
Loan Details
You are borrowing
You need to repay
26 weekly payments of approx.
Minimum repayment term
6 weeks
Maximum repayment term
26 weeks
Annual interest rate
You are borrowing
You need to repay
weekly payments of approx.
Minimum repayment term
Maximum repayment term
Annual interest rate

Why choose MoneyShop for your Car Loan

Here at MoneyShop, we aim to approve your application and get you access to your finances as fast as possible. Thanks to our car loan online application process, you can apply quickly any time, any day.

Apply online

Complete our simple online loan application form. It only takes a couple of minutes!

Competitive rates

Refinance existing car loans that you may have taken out with a dealership, as you might find that our rates or fee structures are better, or that your loan term needs to be altered.

Loans for repairs

We offer car repair loans for vehicles that need work done so you can get back on the road.

Types of car loans

Car loans may or may not involve security, and this can change the terms of the agreement. If you have any questions or concerns, feel free to contact us, and we’ll be happy to help.

Unsecured car loans

An unsecured loan doesn’t require any security; property which can be repossessed if the loan defaults. Here at Money Shop, we offer options for unsecured personal loans, so if you don’t want to use the car you’re borrowing for as security, we can help.

Secured car loans

Most car loans use the car itself as collateral, which means the car can be sold to pay off the loan if it defaults. In some cases, this can benefit you, as it can alter the fee structure of the loan

Lets get you behind the wheel

MoneyShop provides a lending service, under which individuals seek loans to be funded by investors. Each individual is assessed by MoneyShop, making sure they comply with our lending standards.



$200 - $20,000

If you have all of the required documents to support your loan application, we can process a loan in less than two hours.

Our interest rate varies. It is dependent on a number of factors, such as the security offered for the loan and the duration of the loan. Once determined, the interest rate is fixed for the term of the loan.

Our repayment period is from three months to a maximum of 36 months, from $30 per week.

Yes, normal lending criteria applies.

It depends, give us a call and we can do a credit check to see if we can help.

You must be at least 18 years of age to apply for any form of credit or finance.

See “Repay A Loan” in our Resources section for more information.

We lend on cars, furniture and property. There must be no money owing on your security. If a balance remains, we can sometimes pay this out and build the cost into your personal loan.

If you are unable to provide security, it may be that your situation allows us to lend you an unsecured loan up to the value of $1500. Otherwise, you can arrange a Guarantor. The Guarantor follows the same procedure as if they were borrowing the money and must have suitable security.

Yes we can refinance your loan if you have a good repayment history with us, clear credit and affordability.

Yes, but please note there may be an early repayment fee.

Here to give you a helping hand

Our friendly team are here to help you throughout the entire lending process.