Rating based on 39 reviews



  • Low-interest starting from 9.35%
  • Car loans up to $1,000,000
  • Repayment up to 5 years

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UDC homepage

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

About UDC

We're are a transparent lender that operates with completely honest and genuine care for the customers who make use of our services.

With us, you'll always know where your loan application stands, how much a fast loan is going to cost you and what we expect in terms of repayment.

Leveraging the expert team at UDC

Our staff are all experts in vehicle finance and are available to assist you with designing a car loan package that will meet your needs. From ensuing, you can afford the weekly instalments to make sure you can get the loan amount that you need to purchase your vehicle of choice - our experts get it right!

What UDC can offer you

The NZ lending market is certainly behind in terms of speed, efficacy and affordability but, UDC is one provider that has made a decision to do things differently from the rest.

The car loans can be applied for online and you will hear from us in under 2 hours and most importantly, our rates are highly competitive.

Up to 100% car finance at UDC

We offer secured car loans that start from $10,000 at low-interest rates from 9.35% per annum to 14.35% per annum. We offer loan term from 1 to 5 years and will tailor each finance package to meet the needs of our customers. If you're ready to apply our expert team is standing by to assist!

UDC Product Details

  • Loan Type Car loans
  • Interest Rate 9.35 – 14.35% p/a
  • Loan Amount up to $1,000,000
  • Repayment 12 months to 5 years
  • Decision 24 hours

At UDC you can get a reliable car loan with very low interest rates

Lending does not have to be complicated and you should be able to dictate how much you borrow and for how long - and that's exactly what car finance from UDC offers you.

When we tailor loans to meet the needs of our customers we feel as though e are working on a piece of art that need to meet many characteristics but is also entirely unique to the next.

Tailor-made loans

When we tailor loans to meet the needs of our customers we feel as though we are working on a piece of art that needs to meet many characteristics but is also entirely unique to the next. That is why our philosophy is that every customer should get exactly what he/she needs so that they can meet their goals. In other words: finance should be personalized.

More than one way to apply

In addition to being able to apply online, you can also apply over the phone. Whichever method you chose, both will take you about 15 minutes to complete.

We're only a call away

If you have any questions or just need clarity on something regarding your loan application, all you have to do is pick up your phone and one of our car loan experts will help you out.

Work out your loan repayments

Our easy-to-use car loan calculator will help you work out what you could borrow as well as what your repayments could be. Keep in mind, however, that this is not a final quote and you will need to contact us in order to get an actual quote, which will be based on your personal circumstances.

How we deal with financial hardships

We're not only available to assist you before you get your car loan, but we also continue to lend a helping hand afterwards. If you encounter a financial hardship due to a change in your circumstances- for example, if you lose your job- contact us as soon as possible so that you can explain your situation and we'll help you work out a solution to get back on track.

A responsible lender - all the way

As professional who is registered with relevant bodies, we strictly abide by the codes set out by the government and always ensure that the customers we work with are not bankrupt, blacklisted or in a bad financial situation that will be made worse by a loan. We're responsible and will always be!

Customer Reviews & Testimonials

December 2018

The fact that I could apply online made it so much more convenient for me. I didn't have to wait in any lines or spend money going back and forth.

Olivia W
— Napier —

February 2019

Wow, wow, wow! The customer service was top notch, applying was easy and the whole process was without any hassles. I am very pleased

Mike S
— Christchurch —

March 2019

I was so surprised at how affordable my car loan was. I'm without a doubt going to use UDC again in the future

Emily Q
— Waikato —

UDC Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 91145, Victoria Street West, Auckland, 1142, New Zealand

Opening Hours

  • not available