Car Loans
Let’s help power your journey, with fixed term rates from 8.95% - 13.95% p.a*
For generations, we’ve supported Kiwis in achieving their goals - on the road, at sea, and everywhere in between. With a team of loan specialists and a proven track record, we make financing easy, reliable, and tailored to your needs.
Apply nowWhich is the right option for you?
Personal Car Loan
Ideal if you’re an individual or joint borrower looking to use your vehicle for personal use.
Apply now
Business Car Loan
Suitable if you’re a sole trader, business, trust or partnership, using your car primarily for business operations.
Enquire now
Why borrow with Heartland?
- Interest rates between 8.95% and 13.95% p.a., fixed for the term
- Apply online anytime, anywhere
- Providing Kiwis with car loans for over 70 years
- No hidden fees and zero-deposit finance available* *Heartland's responsible lending criteria, terms, conditions and fees apply, including an establishment fee of $249 and a PPSR fee of $7.39.
How does it work?
1
Complete your application in minutes from your mobile phone, tablet or laptop.
2
We’ll verify the information you’ve given us and conduct any further checks required.
3
Sign your loan docs online, we’ll pay out the funds, and you can get behind the wheel!
Take control of your loan online
What our customers are saying
Greg
Christchurch
"I’ve taken out multiple loans with Heartland,
and every time felt the process was professional, speedy and easy to complete.
They are always willing to go the extra mile with respect to customer service."
Helen
Auckland
"I can confidently say my computer literacy is next to zero, but the
quick responses and support I received from Heartland made this
transaction an absolute breeze."
Edwin
Auckland
"This is my second time getting a car loan from Heartland, and you guys make
it easy with the biometrics system and all the paperwork being online.
A big thanks to the team for their help!"
Ready to apply?
Let's get started. Answer some simple questions and we'll be in touch.