The Lending People car loan

Easily apply online for car loans up to $75,000 with a decision in minutes.

The Lending People finds you the right car loan by matching your profile to the lending criteria of its loan partners.

You can borrow from $2,000 to $75,000 with an interest rate determined by your financial situation and have up to 7 years to repay.

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6.95% - 26.95%

Interest Rate (p.a.)


Max. Loan Amount


Product NameThe Lending People Car Loan
Interest Rate (p.a.)6.95% - 26.95%
Min. Loan Amount$2,000
Max. Loan Amount$75,000
Loan SecuritySecured,Unsecured
Loan Term1 to 7 years
Turnaround TimeVaries with lender
More Info

Pros and cons


  • Decisions in 60 seconds
  • Secured, partially secured and unsecured loans available
  • Borrow up to $75,000 with up to 7 years to repay
  • 100% online process
  • Track your application process from your phone
  • Interest rates start at 6.95% p.a.


  • A broker fee applies
  • Early repayment fees

What to consider with a car loan from The Lending People

The Lending People acts as a broker to well-known and respected lenders like NZCU South, Avanti Finance and Gem Finance to help you get the best loan for your circumstances.

The Lending People prides itself on being able to finance anything with an engine including cars, bikes, boats, recreational vehicles, farm machinery, and motor-homes – accepting all credit types and all licence types.

Features and benefits of financing your vehicle with The Lending People

  • Find the best loan for your circumstances. By connecting with a range of lenders, The Lending People can secure the right car loan based on your situation
  • Interest rates. Interest rates range from 6.95% - 26.95% p.a., and the rate that you get is based on your creditworthiness.
  • Loan terms. Loan terms are between one year and seven years, but it’s possible to get a term of up to nine years for loans secured by a property.
  • Borrowing amount. You can apply to borrow between $2,000 and $75,000 for a car purchase. Unsecured loans are capped at $50,000.
  • Fast decisions. Once you submit your application, you’ll receive a decision in as little as a minute.

How much does the loan cost?

The Lending People works with a range of lenders to find the best car loan for you so fees are dependent on the specific loan provider.

These could include an establishment fee, an account maintenance fee, a direct debit fee and/or a security fee. Early repayment fees apply if you pay the full amount before the end of the term.

You may need to factor in a broker fee of up to $995 if you aren’t an existing customer.

How to apply for a loan from The Lending People

Before applying for a loan from The Lending People, check that you meet the eligibility requirements and understand the interest rates and fees that may be applicable to your loan.

Eligibility requirements

  • Be 18 years of age or older
  • Be a New Zealand citizen or permanent resident
  • Be in full-time or part-time employment, or self employed
  • Earn at least $500 per week
  • Not currently bankrupt or in financial hardship

Information and documentation

You will need to supply the following with your application:

  • A New Zealand driver’s licence or passport
  • A recent payslip
  • Bank statements for the last 90 days
  • Proof of address
  • Details of the car you are buying, including its make, model, license plate number and year

Bottom line

The Lending People work with a number of lenders to help you get the best car finance for your situation. You can finance a car purchase of up to $75,000 with interest rates starting from as little as 6.95% p.a. If a vehicle loan from the Lending People is right for you, click the Apply Now button below to start your application.

Compare car finance

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Establishment Fee
Simplify Secured Car Loan
6.25% - 12.50%
12 - 60 months
$100 - $500
Eligibility: Must be 18+, a New Zealand resident or permanent citizen and have an income of at least $500 per month.
See how much you could borrow without affecting your credit score.
MTF Finance Secured Car Loan
8.20% - 20.20%
3 to 60 months
Eligibility: Must be 18+, be an NZ citizen, resident or have a work visa, and have a regular source of income.
Secured car loans from $2,000.
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
6.99% - 19.99%
6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Kiwi Car Loans Secured Loan
6.95% - 19.95%
1 to 7 years
$195 - $995 depending on lender
Eligibility: Be 18+, an NZ citizen, permanent resident or have a work visa, and have an income of least $500 per week.
100% online secured car loans from $5,000
Lending Crowd Secured Car Loan
5.03% - 15.44%
3 or 5 years
$450 - $1,450 depending on the amount borrowed
Eligibility: Be a NZ resident/citizen and have a good credit score.
Borrow $5,050 to $200,000 for your chosen vehicle. 100% online with no paperwork or early repayment fees.
CarFinance2U Car Loan
8.95% - 23.95%
1 - 5 years
Eligibility: Be at least 21 years old, have a valid NZ driver's licence and be an NZ citizen or permanent resident.
With a CarFinance2U secured or unsecured car loan you could get pre-approval for your next car in 30 minutes.
Nectar Unsecured Car Loan
8.95% - 29.95%
6 months - 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured car loans from $1,000 with payouts made within one day of approval. Applications entirely online.

Compare up to 4 providers

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