Blog

Insights, guides, and updates

Car Finance Options: From Budget to Best for Bad Credit

Personal Loans May 25, 2026

Car Finance Options: From Budget to Best for Bad Credit

Explore top car finance choices for every need, from budget-friendly rates to options for those with bad credit. Discover which lender suits your situation best.

Trending items

APR

11.5–15.5%

Amount

NZ$1k–NZ$30k

Term

6–60mo

Personal

SBS Bank Personal Loan

NZ citizen or permanent resident

Age 18+

Regular income

Term: 6–60mo

⚡ 1-3 business days Check rates →

APR

9.95–29.95%

Amount

NZ$500–NZ$50k

Term

3–84mo

Personal

Instant Finance Personal Loan

No specific requirements listed

Term: 3–84mo

Check rates →

APR

12.99–18.99%

Amount

NZ$2k–NZ$30k

Term

12–60mo

Personal

Kiwibank Personal Loan

No specific requirements listed

Term: 12–60mo

Check rates →

APR

9.95–17.75%

Amount

NZ$1k–NZ$50k

Term

6–60mo

Personal

The Co-operative Bank Personal Loan

No specific requirements listed

Term: 6–60mo

Check rates →

APR

12.9–19.95%

Amount

NZ$2k–NZ$50k

Term

6–84mo

Personal

ASB Personal Loan

No specific requirements listed

Term: 6–84mo

Check rates →

APR

13.9–19.9%

Amount

NZ$2k–NZ$50k

Term

6–60mo

Personal

BNZ Personal Loan

No specific requirements listed

Term: 6–60mo

Check rates →