Rating based on 37 reviews

MARAC Finance


  • Low-interest starting from 11.95%
  • Car loans starting from $5,000
  • Repayment up to 5 years

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MARAC Finance homepage

Author MARAC Finance. Screenshot of MARAC Finance website. [Accessed May 23, 2018]

About MARAC Finance

MARAC Finance will help you to get the car of your dreams with car finance.

For over 65 years Kiwis have turned to them for vehicle finance to make their dreams a reality. Their finance options are designed to make the car finance application easy and straightforward so that you can have a seamless experience. They keep their customers at the heart of their business, with genuine service.

They will help you find the best car loan 

They understand that everyone’s financial situation is different, but that there is the same desire for a better future, and they try to make it possible. Whether it’s helping you live a lifestyle on your terms, or helping your family purchase a vehicle that gets them mobile.

At MARAC Finance they are specialists when it comes to vehicle finance for both new and used vehicles. Their interest rate ranges from 11.95% to 15.95% per year.

Apply for a loan online with MARAC

  • As a modern lender, they offer an online car finance
  • You don’t have to wait in a queue, fill in paperwork, or attend a face-to-face meeting.
  • Apply from the comfort of your own home in just minutes.

What MARAC Finance can offer you

Get your vehicle finance as quickly as possible, with the help of their friendly staff.

They value your time and therefore they strive to give you outstanding service that is still very fast and efficient. They have designed their online loan application process to be as simple as possible, saving you time and money.

Work out the numbers before you apply

Use their calculator tool to help you get an idea of how much you could borrow and what your repayments could be. This is a fast and easy way to see what you can afford and to find out the exact amount of your repayments and interest rate. Make use of the sliders till you get the perfect amount that will suit your needs.

They will organise your payments 

You have the freedom of choosing a payment structure that is the easiest for you to adapt to. Payments on your car finance can be made weekly, fortnightly, or monthly.

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

MARAC Finance Product Details

  • Loan Type Car loans
  • Interest Rate 11.95 – 15.95% p/a
  • Loan Amount from $5,000
  • Repayment 6 months to 5 years
  • Decision 24 hours

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

Your application can be done in just a few minutes and you will have your answer within 24 hours.

MARAC Finance is a trusted & reliable provider of vehicle finance, they adhere to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act (CCCFA), where granting the loan will not cause you financial distress.

What you need to know when you apply for vehicle finance

  • Repayment terms are 1 to 5 years.
  • The vehicle is the security for the loan.
  • The vehicle you purchase must be fully insured.
  • You must be 18 years or older.
  • You must have a driver’s licence.

Follow these easy steps when you apply for a car loan:

Step One

Complete the online loan application and provide them with your personal information, identity income, and expenses using either bank statement retrieval or manual statement upload.

Step Two

They will verify your personal information income and expenses, check your identity and confirm the loan structure and do the required checks.

Step Three

Sign your vehicle finance documents online when you are approved, and you will be able to drive off with your new car within a days’ time.

The best vehicle finance for you

It is great to know that there is a company that can help you with car finance as well as valuable and helpful advice in times when you need it most. MARAC Finance will build a solid relationship with you to make sure that all your requirements are attended to and choosing them is the best decision.

Benefits when choosing MARAC Finance

  • Safe and secure online application.
  • Vehicle finance starts from $5,000.
  • Flexible repayment terms.
  • Excellent and quick service offered to you.
  • Affordable rates.
man holding thumbs up

MARAC Finance is a trusted & reliable provider of car loans

In our review, MARAC Finance 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.

MARAC Finance is a registered credit provider in New Zealand: FSP53921

Customer Reviews & Testimonials

October 2020

I thought I would've had to wait for a couple of days before I could get a decision on my loan application, but I was very pleased with how quickly I heard back from MARAC because it meant I coul...

Charlotte C
— Gisborne —

January 2021

I'm very happy with how quick the application process was- i didn't have to deal with the usual paperwork. Wouldn't mind using them again

Lahi T
— Nelson —

February 2021

Getting my car loan was so conveniently easy. I'd recommend MARAC any day

Tia H
— Hastings —

March 2022

Undoubtedly one of the best companies I've gotten a loan from. I am super happy with the loan I got. It felt like it was made specifically for me, making it so much easier for me to get the car I...

Mark A
— Devonport —

MARAC Finance Contact Details

Contact Number



Physical Address

Postal Address

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

Opening Hours

  • not available