Vehicle Finance

Get Driving Today

Whatever type of transport you need, our vehicle finance personal loan application process is easy and you can apply online right now in less than five minutes!

We’re 100% online and your loan application can be submitted via any device 24/7, PC, laptop, tablet or phone.

If your loan is approved, we’ll transfer funds the same business day to your account!

In no time at all you could be at the steering wheel of your new car.

Apply Now


  • 18 years or over
  • NZ resident (citizen/permanent residency)
  • Be earning, employment or self employed

How to Apply for Vehicle Finance

  1. Check your eligibility above and complete our online application
  2. Provide any required documents such as payslips and identification following your application (we’ll be in touch)
  3. Accept the contract provided
  4. Typically within 24 hours of your contract acceptance, funds will be in your account
Vehicle Finance by Loansmart
Vehicle Finance by Loansmart


Do you do vehicle finance through private sales?
Yes we are able to finance vehicles bought privately, through Trademe, vehicle tender, auction or from a reputable vehicle dealer.

What if I have a poor credit rating or defaults?
We can normally assist if we know the circumstances, in most cases we can still help or we may require additional security. If you do not have the security required we may need to add a guarantor to the loan. The guarantor will be responsible for the loan if you do not pay.

Do you do vehicle finance pre-approvals?
Most definitely, we thoroughly recommend getting pre approved prior to purchasing your next vehicle. All pre approvals last for 30 days giving you plenty of time to track down that bargain.

Who will see my application?
We treat your application confidentially and the only people who will see your application are Loansmart and any Finance Company that we send it to. All applications that do not proceed are securely destroyed.

No Deposit

Do you do no deposit vehicle finance?
We can often assist home owners get car loans with no deposit. If you do not own your own home but have an excellent credit rating we can normally get you an approval with a very low deposit. In some cases we can get around the deposit requirements by using additional security such as another vehicle.

Are you a car dealer?
NO! we are an independent financial services company, we have no association or interest in any motor vehicle dealers.

Do I need vehicle insurance?
Yes, you need to have full insurance on the vehicle as it is security for the loan. We can help arrange this for you if required.

I can’t find the answer to my vehicle finance query?
Please call us on 0800 255 155.