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MARAC Finance

MARAC Finance is a Registered Financial Service Provider / FSP53921

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About MARAC Finance

At MARAC Finance we simply do car loans. We're a specialist vehicle finance company that help kiwis buy both new and used vehicle quickly and easily.

Whether you're a new or existing customer MARAC Finance will offer you the finance you need with no hassle stress or unobtainable requirements.

Affordable and flexible car finance

As one of New Zealand's most popular car finance companies we have a range of loan types to suit every kiwi, every budget and every need. From our lease options to our finance car loans - we offer you a better way to buy both a new and a used vehicle in an affordable and flexible way.

What MARAC Finance can offer you

There are a variety of different car loan types available out there from the finance type which is the most popular to leasing which is a car loan designed for people who are interested in exchanging and upgrading their vehicles more often.

We offer both loan types and can help you get the most suitable loan 100% online!

Get a car loan from as little as 11.95%

At MARAC Finance we offer both car finance and leasing as well as leisure, rural and marine and business finance. Whatever type of vehicle and loan you require - we offer the most flexible and diverse range of finance options from interest rates as low as 11.95%. We offer a minimum loan term of 6 months and a maximum term of 5 years.

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In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option

Its quick and easy to get a car loan through Marac, simply apply online

Our dedicated staff members are standing by to process your car loan application and transfer the funds to you as quickly as possible - ready when you are!

Apply for a loan 100% online with MARAC

As a modern lender, we now offer an online loan application. This means that you don’t have to wait in a queue, fill in paperwork or attend the face-to-face meeting to make that car loan happen. You can apply in the comfort of your own home in just minutes!

Keeping you informed and updated

Although many online lenders will make you unrealistic promises in relation to the speed and efficacy of their service we remain honest and will always give you an accurate time indication and update on the progress made as often as necessary.

Simple and easy

We value your time and therefore strive to give you an outstanding service that is still very quick. As a result, we've designed our application process to be as simple as possible, saving you time and money.

We'll structure your payments to fit your situation

You have the freedom of choosing a payment structure that is the easiest for you to handle. This can be weekly, fortnightly, or monthly. We don't mind being flexible to your needs.

Work out the numbers before you apply

Use our calculator tool to help you get an idea of how much you could borrow and what your repayments could be. This is a quick and easy way to see what you can afford but it is in no way an actual quote. The only way to find out the exact amount of your repayments, as well as your interest rate, will be to apply for a loan. Following a complete evaluation of your situation, we will be able to let you know your actual amounts which may be higher or lower.

Increase the loan amount

If you would like to increase your loan amount after your car loan has been approved, you can do so by simply giving us a call. There is no need for you to fill out another application; everything will be handled over the phone.

Eligibility & Requirements

  •  Full or restricted drivers license
  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  30 day bank statements
  •  Valid identity document
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)

Other Products & Services

  • Insurance
  • Car Finance and Leasing
  • Business and Rural Finance
  • Marine and Leisure Finance

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 35 Teed Street, Auckland, Auckland, 1023, New Zealand

 Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand