Rating based on 32 reviews

Kiwi Car Loans


  • Low-interest starting from 16.95%
  • Car loans up to $80,000
  • Repayment up to 5 years

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Kiwi Car Loans homepage

Author Kiwi Car Loans. Screenshot of Kiwi Car Loans website. [Accessed May 23, 2018]

About Kiwi Car Loans

Kiwi Bank can help you to get car finance and make it possible to afford the car you always wanted.

You can now apply for car finance online by simply logging in to your online banking account, it will only take you a few minutes. The amazing part is the chances are good that a loan offer is already available to you.

The history of Kiwi Bank

Kiwi Bank was the creation of politician Jim Anderton. He wanted to have a locally owned and run bank that would operate in the interest of New Zealanders. The profits made by the bank stayed in the country rather than heading offshore. The bank has been operational since 2002 and has grown rapidly.

Kiwi Bank will meet your requirements

They are one of New Zealand's smaller banks and like to see themself as different from the other banks. They treat people well and will always add a personal touch to everything they do to make sure that you are happy. From answering the phone to helping you apply for car finance they will make you feel like more than just a number.

A credit provider that does financing right

Kiwi Bank is trusted by a lot of Kiwis when it comes to car finance. They are a reliable lender who adheres to the Contracts and Consumer Finance Act.

Before they provide you with car finance, they will make sure that you will be able to comfortably afford the loan repayment as they are a responsible lender.

What Kiwi Car Loans can offer you

Need some help to get new wheels, you can get car finance tailored to your budget today.

You don't have to worry about going through piles of paperwork and standing in endless queues anymore. They have made the process so much easier and more convenient for you and you can expect approval within 24 hours.

Unsecured car finance from $2,000

Kiwi Bank offers you unsecured vehicle finance from $2,000 and secured vehicle finance from $6,000. You can apply for a loan of up to $50,000 and they offer flexible loan terms that range from 6 months to 7 years. You can make additional repayments on your car loan any time, so you can pay it off faster.

Personalized car loans to suit your needs

You can be assured that Kiwi Bank will tailor its loans to your circumstances. This means that when you apply for your car finance, they work closely with you to find a loan option that suits your budget and financial situation. You can be sure to be offered the most suitable car finance.

The loan calculator for the best vehicle deal

With the help of the loan calculator, you will be able to determine your interest and your car finance amount as well as your monthly repayment. Use the calculator to test out any loan amounts that you might consider. This way you will see what loan option will be best for you.

Kiwi Car Loans Product Details

  • Loan Type Car loans
  • Interest Rate 16.95 – 28.95% p/a
  • Loan Amount up to $80,000
  • Repayment 12 months to 5 years
  • Decision 2 hours

Kiwi Car Loans has a fast and reliable loan service

They don't mind assisting you with your application, whether it's answering your questions or guiding you along the way.

Their team will take the time to give you assistance whenever you need it. If you don’t want to apply for a loan online, you can apply either by phone or by going down to one of their branches near you.

Whatever method you choose, they can guarantee that the process will be quick and easy.


  • Be 18 years or older.
  • Be a permanent New Zealand resident.
  • Have a valid New Zealand ID.
  • Have a stable income.
  • A credit check will be completed as part of the application process.
  • Have a New Zealand Driver's License suitable for the vehicle you're buying.

Follow these easy steps to apply for car finance:

Step 1:

Do your vehicle finance application online and make sure that you include the following personal details and documents.

  • Your current New Zealand Driver’s License details or alternatively your passport or New Zealand Firearms License.
  • Your employment and income details.
  • Amounts that are outstanding on loans, overdrafts, credit and store cards (including limits and repayments)
  • Your rent and mortgage payments.
  • Your address and your email.

Step 2:

The friendly staff will go through all the details and documentation that is provided for your car finance application, and they will check if it matches their requirements.

Step 3:

When all the information and documentation is processed, you will be notified if you are approved.

Kiwi Bank will make sure you get what you need

Get in touch with Kiwi Bank to get the best car finance to suit your needs. The process to get car finance will be seamless and you can be assured that you will be their top priority. Their friendly team of experts will be happy to assist you and they will give you the advice you need.

Benefits when you apply for car finance at Kiwi Bank

  • Seamless online car finance application that can be done in a few minutes.
  • Affordable rates and reasonable repayment terms.
  • Car finance up to $50,000.
  • Outstanding service from their friendly team of experts.
  • Loan approval in a days’ time.
man holding thumbs up

Kiwi Car Loans is a trusted & reliable provider of car loans

In our review, Kiwi Car Loans adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Kiwi Car Loans is a registered credit provider in New Zealand: FSP238645

Customer Reviews & Testimonials

November 2020

I'll definitely recommend Kiwi Car Loans to anyone in need of a car loan. You guys were absolutely awesome! I felt like I had an entire team in my corner and that helped to make the process so mu...

Mateo P
— Waiuku —

January 2020

This was my first time applying for a loan and I was very relieved when I saw how easy it was. I'm certainly going to be recommending Kiwi Car Loans wherever I go!

Erica C
— Christchurch —

September 2021

I had a small query with regards to my car finance application. When I called customer service, I was assisted by the nicest, kindest person ever! She spoke to me with respect and listened very p...

Cooper N
— Christchurch —

January 2021

Thank you for being so professional and helping me secure the finance I needed to get my car. Much appreciated.

Edwards J
— Tauranga —

January 2022

I did an application for car finance, my application was approved within 24 hours. This is what I call outstanding service. from

Wright D
— Northland —

Kiwi Car Loans Contact Details

Contact Number



Physical Address

Postal Address

  • PO BOX 11798, Ellerslie, Auckland, 1542, New Zealand

Opening Hours

  • not available