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Car Loans

Car loans that work
for you!

Time$1,000 - $25,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

PersonalCompetitive, personalised rates

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  • Feefo 2021 Award

See what your repayments for your new wheels may be?


$1,000 $25,000

Repayments as low as




Fast online car loans that put you behind the wheel


Experience the freedom of buying your next car with cash

Nectar's unsecured car loans provide you with cash buyer confidence at the car yard. Nectar factors in your unique circumstances to determine some of New Zealand’s lowest interest rates. What’s more, we do it in just minutes, free of any hidden fees or charges.

Fixed Interest Rate

Repair or replace with flexible loan options

Nectar’s safe and secure car loans will get you on the road quickly. With our smart application process you can receive a competitive, personalised loan offer with flexible terms that works for you. You’ll get a decision in minutes and, with approval, you’ll see money in your account as soon as a few hours.

Why choose Nectar for a car loan?

Get your offer and rate
as soon as 10:41 pm

  • Simple, 7 minute application

    Apply online, tell us about yourself and the loan you need.

  • Get your rate and offer instantly

    We don't muck around. You can receive your personalised rate and offer instantly after completing your application.

  • Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

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Up front rates with no hidden fees


Loan sizes

$1,000 - $25,000

Establishment Fee

Establishment fee


Interest Rate

Interest rates (p.a)

8.95% - 29.95%

Loan Terms

Loan terms

6 months - 4 years

Loan features:

  • No early repayment penalties
  • Your personalised interest rate is fixed for the life of the loan
  • Repayments can be made weekly, fortnightly or monthly depending on your pay cycle.

What our customers say about us

Our customers find Nectar simpler and faster than other lenders

Get your rate and offer in minutes with no obligation to accept

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