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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.

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APR

11.5–15.5%

Amount

$1k–$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

$500–$50k

Term

3–84mo

Personal

Instant Finance Personal Loan

No specific requirements listed

Term: 3–84mo

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APR

12.99–18.99%

Amount

$2k–$30k

Term

12–60mo

Personal

Kiwibank Personal Loan

No specific requirements listed

Term: 12–60mo

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APR

9.95–17.75%

Amount

$1k–$50k

Term

6–60mo

Personal

The Co-operative Bank Personal Loan

No specific requirements listed

Term: 6–60mo

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APR

12.9–19.95%

Amount

$2k–$50k

Term

6–84mo

Personal

ASB Personal Loan

No specific requirements listed

Term: 6–84mo

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APR

13.9–19.9%

Amount

$2k–$50k

Term

6–60mo

Personal

BNZ Personal Loan

No specific requirements listed

Term: 6–60mo

Check rates →