car loans.

A 100% online finance application process giving you access to more than 650 car dealerships throughout New Zealand.

Loans up to $50,000.
Interest rates from only 9.95%*.

Why choose Finance Central?

100% online

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

Competitive rates

We offer competitive
interest rates from
9.95%* p.a.

Quick and simple

Our application process is
super quick and

Fast approval

Application processing
is real-time and
available 24/7.

What we offer

  • Interest rates

    9.95% – 29.95%

  • Low establishment fee

    Only $80

  • Loan amounts

    $2,500 – $50,000

  • Loan terms

    12 – 60 months

  • Fixed rate for the life of your loan
  • Fast online application and approval journey process for ALL risk profiles
  • Market-leading fee structure
  • Ability to get approved and then go shopping for your next car across our large dealer network.
  • Friendly support team
  • Transparent process and experience
  • Get ‘truly’ approved, not just
    pre-approved with conditions
  • Available for all Drivers License - Learners, Restricted and Full

* Important lending criteria, terms and conditions apply. An interest rate between 9.95% and 29.95% p.a. will apply. Actual interest depends on terms and individual circumstances. An online application fee of $80 applies. A PPSR registration fee of $8.05 may also apply. Fees can be paid upfront or capitalised over the contract term. Satisfactory evidence of vehicle insurance will be required.

Get started now.

Begin our fast, simple and 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 100% customer-led online journey that is fast, simple, and competitive.

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

I’d like to borrow…


Repayments from


Repayments from


Repayments from

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