$2,000 - $30,000 unsecured
Money in your account within a day
Simple, 100% online process
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.
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.
Apply online today and get your personalised loan quote.
Select the amount and payment option that suits you.
If approved, we aim to have the funds in your account the same day as your contract being signed online.
$2,000 - $30,000
$1.75 admin fee per repayment
11.95% - 29.95%
6 months - 5 years
Your car is not a luxury. It connects you to your life. Whether you’re getting back on the road after an accident or a breakdown, upgrading to a newer set of wheels, or buying your first car, life won’t always wait until you can afford it.
You deserve the best car loans NZ can provide. If you’re looking for fast and transparent car loans, Nectar is here to help.
A car personal loan is money borrowed from a bank or online lender for vehicle expenses, after a successful loan application. A car loan is not usually secured by collateral. Lenders approve personal loans based on an applicant's credit score, regular income, and financial history. Secured loans, on the other hand, require collateral such as a house or car.
As a responsible lender, we consider your financial and personal circumstances when evaluating your personal loan application from Nectar. Nectar offers a range of personal loans for different personal circumstances - car loans, emergency loans, debt consolidation loans, home improvement loans, holiday loans and even wedding loans.
We need to know about your income, expenses, and any debts or loans you have. We will provide you a Nectar loan quote, including the interest rate, maximum borrowing amount and repayment terms. You can then choose if you wish to accept it.
Managing your Nectar car loan is easy. Borrowers can access the Nectar borrower portal to view their loan balance, upcoming repayment dates, repayment amounts due and apply for loan top ups.
Consolidate multiple loans into one payment
Buy a car today with our car loans
Get a home improvement loan with a competitive rate
Take care of your holiday costs in advance
Take control and pay off unexpected expenses
Manage your wedding expenses and ensure your special day runs smoothly