Finance Bloom secured vehicle finance review

A range of pre-approved vehicle finance options for personal or business use and flexible loan terms.

Finance Bloom offers secured vehicle finance for cars, trucks, boats, motorcycles, and more. They can arrange for vehicle finance to be pre-approved before you go shopping, and are flexible if you want to purchase privately or from a dealer.

You can take out a car loan of anywhere between $3,000 to $500,000 and receive a tailored interest rate depending on the vehicle you want.

Read on to find out what you need to know about Finance Bloom vehicle finance.

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6.35% - 28%

Interest Rate (p.a.)


Max. Loan Amount


Product NameFinance Bloom Secured Vehicle Loan
Interest Rate (p.a.)6.35% - 28%
Min. Loan Amount$3,000
Max. Loan Amount$500,000
Loan SecuritySecured
Loan Term6 months - 7 years
More Info

Features of a secured vehicle loan from Finance Bloom

  • Interest rates between 6.35% - 28%. Interest rates are personalised for each applicant and the lender will look at factors such as credit score, financial situation and amount borrowed.
  • Flexible loan size. You can apply for a secured loan for an amount between $3,000 and $500,000, depending on the vehicle.
  • Loan terms. Flexible loan terms are offered between 6 months and 7 years.
  • Employment status. Full time or part time work is acceptable for a loan application.
  • Flexible loan approval. Those with bad credit, on temporary visas or pensioners can apply.

How much will the loan cost?

Some of the standard costs you can expect to pay with a Finance Bloom secured vehicle loan include:

  • An establishment fee between $395-$500 to set up the loan.
  • A service fee between $3 and $5 per month.

Pros and cons


  • Flexible loan amounts
  • Flexible loan terms
  • Welcomes bad credit applicants


  • High establishment fee
  • May have high interest rate, depending on your circumstances

How to apply for a Finance Bloom vehicle loan

You can apply for a Finance Bloom vehicle loan by filling out the online application form on their website. Before doing so it’s important that you read and understand all of the fees and charges which are included with a loan before you make an application.

Eligibility requirements

  • Be over 18 years of age
  • Be a NZ citizen, resident or have a valid visa
  • Be in employment and earning at least $450 per week

Required documents

  • Driver’s licence
  • Copy of your passport
  • Copy of your work visa (if applicable)
  • Recent bank statements

Compare car finance

Name Product Interest Rate (p.a.) Loan Amount Loan Term Establishment Fee Requirements Table description
Simplify Secured Car Loan
6.50% - 12.95%
$5,000 - $500,000
12 - 60 months
$100 - $500
Requirements: NZ citizen/permanent resident, income of at least $500/month.
See how much you could borrow without affecting your credit score.
AA Money Car Loan
7.95% - 18.95%
$3,000 - $100,000
12 months - 60 months
Requirements: NZ citizen/permanent resident or visa holder, earn $30,000+ /year (before tax).
Loan approval within an hour.
The Co-operative Bank Unsecured Personal Loan
6.99% - 17.75%
$3,000 - $50,000
6 months - 5 years
Requirements: NZ citizen/permanent resident or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Secured Car Loan
6.45% - 17.23%
$5,050 - $200,000
3 or 5 years
$350 - $650
Requirements: NZ citizen/permanent resident, have a good credit score.
100% online with no paperwork or early repayment fees.
Nectar Unsecured Car Loan
8.95% - 29.95%
$1,000 - $30,000
6 months - 4 years
Requirements: NZ citizen/permanent resident or have a work visa, income of $400/week (after tax), stable credit history.
Payouts made within one day of approval. Applications 100% online.
CarFinance2U Car Loan
8.95% - 23.95%
$5,000 - No max.
1 - 5 years
Requirements: NZ citizen/permanent resident.
Get pre-approved for your next car in 30 minutes.
Stadium Finance Secured Vehicle Loan
8.95% - 19.95%
$3,000 - $100,000
Up to 60 months
Requirements: NZ citizen/permanent resident, have a disposable income of $300/week.
Secured loans from $3,000 and funds paid within one day of approval.

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