car loans.

An online finance application process giving you access to more than 650 car dealerships throughout New Zealand.

Credit assessment and responsible lending criteria and inquiries will apply to all applications

Loans from $2,500 to $75,000.
Interest rates from 10.85% – 29.95% p.a. variable.

Why choose Finance Central?

Online application

Apply for finance
on-the-go or from the
comfort of your own home

Competitive rates

We offer competitive
interest rates from
10.85% – 29.95% pa variable

Straightforward application

Our application process
is straightforward and initial
assessment is processed in

Responsive decision

Once you've completed your
application we’ll provide an initial response within 60 seconds.
Note: Responsible lending criteria and credit assessment and inquiries will apply to all applications

Mandatory fees: account fee of $3.25 a month (other payment frequencies available), establishment fee of $80 to be paid up front or capitalised over the contract term

What we offer

  • Interest rates

    10.85% – 29.95% p.a. variable

  • Low establishment fee

    Only $80

  • Loan amounts

    $2,500 – $75,000

  • Loan terms

    12 – 60 months

  • Online application process
  • Friendly support team
  • Transparent process and experience
  • initial response generally provided within 60 seconds
  • Available for all Drivers License - Learners, Restricted and Full

* Responsible lending criteria, mandatory fees, interest, terms and conditions apply. Interest rate 10.85% - 29.95% p.a. variable, determined by credit risk. Mandatory fees: Monthly account fee of $3.25 a month (other payment frequencies available), establishment fee of $80 to be paid up front or capitalised over the contract term. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required.

Get started now.

Begin our obligation-free online application process today.

Apply Now

About us

To help simplify the finance process when purchasing a vehicle we created Finance Central – a customer-led online journey.

We built Finance Central on the building blocks of ethics and responsible lending – to help Kiwis get behind the wheel of their next vehicle.

Proud to be 100% New Zealand
owned and operated.

Easy access to 650+ kiwi car dealerships

Finance Central has relationships with more than 650 car dealerships located throughout New Zealand making it easier and faster for you to find and finance your next vehicle.

Why buy from a registered car dealer:

  • Better consumer protection
  • Trade-ins accepted
  • Clear title guaranteed
  • After sales service
  • Expertise and knowledge
  • Large vehicle range
  • Servicing & inspections

We're here to help.

Call our loan team on 0800 342 584 or email

Our team is available to help you
Monday–Friday 9am–5pm,
and Saturday–Sunday 10am–5pm.

Got a complaint?

If something's not as you'd like please let us know immediately and we'll put every effort into resolving this for you.

Alternatively, if you don't think we've resolved your concerns, Limelight Financial Services Limited is a member of an independent financial disputes resolution scheme which can help you resolve any disagreements you may have with us.

Financial Services Complaints LTD
Financial Services Complaints Ltd
Ph: 0800 347 257
Our Member ID:
FSP39861 – Limelight Financial Services Limited

Have a question?

Please enter your name Please enter a contact number Please enter an email

Disclaimer about financial advice: Limelight Financial Services Limited needs to check that your loan is suitable and take other steps as a responsible lender.

You are protected by responsible lending laws. Because of these protections, any recommendations given to you about our loan products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

You should see a budget adviser or licensed financial adviser if you want more help.

Loan information

Amount to borrow
Term of loan
Interest rate

Repayment calculation

Amount to borrow
Establishment fee
Total to finance

Repayment frequency

Indicative repayments

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Apply Now

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