Car Loans

Car loans that work
for you!

PersonalCompetitive rates

Time$2,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

  • Feefo 2022 Award
  • Feefo 2023 Award
  • Feefo 2024 Award

See what your repayments for your new wheels may be?


$2,000 $30,000

Repayments as low as




total payable

Take a look at what other Kiwis say about us

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 personalised loan quote
as soon as 2:08 pm*

  • Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • Choose a loan option

    Select the amount and payment option that suits you.

  • 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.

* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
  • Step1
  • Step2
  • Step3

Up front rates with no hidden fees


Loan sizes

$2,000 - $30,000

Establishment Fee

Establishment fee

$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a.)

11.95% - 29.95%

Loan Terms

Loan terms

6 months - 5 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • You can make repayments weekly, fortnightly or monthly depending on your pay cycle

Nectar puts the keys in your hand

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.

Common car loan questions

1. What is a car personal loan?

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.

2. How does a Nectar car loan work?

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.

Our latest resources

Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation

Car Loan Guide for New Zealand car purchasers

The article provides a guide for car loans in New Zealand.

Read More

Personal Loan vs Car Loan: What’s the best way to finance a new vehicle?

Buying your first car ever? Upsizing or downsizing your vehicle? Upgrading to a newer, more reliable model?

Read More

Car finance options for a second-hand car

There is plenty to think about when you start car shopping. Read on to make a confident car purchase today.

Read More

Personal loans that fit your needs

Whether it’s to cover a major expense or improve your home, Nectar Money may be able to help

Debt Consolidation Loans

Consolidate multiple loans into one payment

Car Loans

Buy a car today with our car loans

Home Improvement Loans

Get a home improvement loan with a competitive rate

Holiday Loans

Take care of your holiday costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Manage your wedding expenses and ensure your special day runs smoothly

Get started

Get your personalised loan quote in minutes with no obligation to accept1

FSF Logo DigiCert Logo
Terms and conditions
1 A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money’s personalised interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. There are no early repayment penalties.