Car Loans

Car loans that work
for you!

PersonalCompetitive rates

Time$1,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

  • Feefo 2021 Award
  • Feefo 2022 Award

See what your repayments for your new wheels may be?


$1,000 $30,000

Repayments as low as




total payable

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 10:17 pm1

  • Simple, 7 minute application

    Apply online, 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.

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Up front rates with no hidden fees


Loan sizes

$1,000 - $30,000

Establishment Fee

Establishment fee

$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a)

8.95% - 29.95%

Loan Terms

Loan terms

6 months - 4 years

Loan features:

  • Loans are unsecured
  • 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 personalised loan quote in minutes with no obligation to accept1

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Terms and conditions
1 A Nectar Loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar’s personalised interest rates are from 8.95% 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.