Get matched to a car loan for your new or used vehicle

Looking for a car loan? MatchMe Money can match you with car loans in minutes, offering competitive rates and affordable loan options for new and used vehicles.
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Car finance made simple

MatchMe Money provides smarter financing solutions, seamlessly connecting New Zealanders with the financial products they need.
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Tailored car financing

From compact city cars to utes and family SUVs, we match you to competitive loan offers for your new vehicle.
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Save time and money

We connect you with a network of lenders, ensuring you get competitive rates without having to shop around.
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Simplified car loans

Discover loan options that suit your budget and needs, then apply with ease for a hassle-free experience.

Loans for all types of cars

New cars

Finance a brand-new car

Used cars

Fund a pre-loved car to get you on the road

Commercial vehicles

Fund cars, vans, or utes for business use

Refinancing

Improve your current car loan terms

Car upgrades

Finance for vehicle improvements or modifications
New car in a driveway, financed with a MatchMe Money car loan
How it works

The car loan process

1

Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.
2

Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.
3

Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.
4

Sign and drive away

We facilitate signing of the loan documents and quick release of funds, getting you on the road faster.

Car loan calculator

Estimate how much your repayments could be, based on how long you would like to make them for.
$3,000 — $100,000

Example interest rate: 9.99% p.a.

Estimated loan repayments from

$0.00

Total repayment (incl. interest & fees)

Find your rates

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

key loan information

What you need to know up front

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Over 18 years of age
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Valid New Zealand passport or drivers license
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New Zealand citizen, permanent resident or visa holder
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Good repayment history

$3,000 - $100,000

Loan amount

8.5% - 29.95%

Interest rates

1-5 years

Loan term (unsecured)

1-7 years

Loan term (secured)

Up to $500

Establishment fee

Up to $2,500

Introducer fee

View further information about our interest rates and fees.

Car loan FAQs

We can connect you to lenders offering loans from $3,000 - $100,000. The amount you can borrow depends on your individual circumstances can the value of the car. We'll assess your income, expenses, and credit history to determine the most suitable car loan amount for your situation.

You can receive a decision in minutes, and once everything is finalised, we can often release the funds on the same day. The more information you provide upfront, the quicker we can process your application.

Checking your eligibility with us won't affect your credit score. We perform a 'soft' enquiry that doesn't leave a mark on your credit report. Your score will only be impacted if you decide to accept a loan offer

Our loans can be used for almost any new or used car, whether you are looking for a compact city car or a robust utility vehicle. Please note that we don’t currently offer car loans for classic or specialist vehicles.

You're eligible to apply if you're over 18, a New Zealand citizen, permanent resident, or valid visa holder, and have a regular income. We'll need to verify that you can comfortably manage your loan repayments.

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your car loan. If you need further assistance, our team is here to help.
Frequently Asked Questions

Secured or unsecured car loan?

Secured personal loans use an asset (like a vehicle or property) as security, and lenders may offer lower interest rates, higher borrowing limits, and longer repayment terms. However, the asset may possibly be repossessed if you do not keep up on the payments for the loan.

Unsecured loans don't require security, which could provide more flexibility in fund usage and possibly a simpler application process. However, these loans typically have higher rates, lower limits, and possibly shorter terms.

Whether you need a secured on unsecured loan, MatchMe Money can help match you with loan options tailored to your financial situation.

Person reviewing MatchMe Money loan rates and fees

Loans for all types of vehicles

Whether you're thinking of a new car, an electric vehicle, a boat for weekend getaways, a motorcycle for exhilarating rides, or a caravan for your next holiday, we're here to help.

Why Choose MatchMe Money

As a New Zealand-based company, we understand the unique needs of Kiwis and the local finance landscape. We’re here to assist you with personalised, transparent, and reliable financial solutions.

Cutting edge technology

We use the latest technology to match you to lenders fast, giving you access to personal loan options all in one place.

Comprehensive security

Your personal and financial information is safe guarded with bank-level encryption, giving you peace of mind throughout the application process.

Transparency you can trust

We believe in clear honest communication, no hidden fees or confusing jargon.

Happy MatchMe Money customer after being approved for a loan
Important information
  1. Loan contract terms are from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured).
  2. The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 8.5% (secured) and 12.95% (unsecured) to 29.95% p.a. with loan terms from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured). Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  3. For illustrative purposes, an unsecured Personal Loan of $10,000 over 5 years at 13.95% Annual Interest Rate (AIR), including example lender, introducer, and other fees of $745, results in monthly payments of $255.40, with a total repayment sum of $15,234, reflecting an Annual Percentage Rate (APR) of 14.60%. Quoted totals do not include optional Payment Protection Insurance, Motor Breakdown Insurance, Lifestyle Protection or other Insurance products a customer may choose to add to the loan. For further information on lender, introducer and other fees refer to our rates and fees.
  4. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  5. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  6. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification or you can contact the Money Talks helpline at 0800 345 123 or .

Apply for a car loan online

Make MatchMe Money work for you. Let us help finance your new car, quick, easy, and hassle-free.
Apply now