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Business Finance

Business finance for vehicles and equipment can be tricky but we are here to make the process as easy and straightforward as possible.

Maximise your business cash flow with affordable and flexible equipment finance and vehicle finance options with Kiwi Car Loans business finance. If you already have a business but need a new vehicle, piece of equipment or furniture, we can help. We do farm or equipment finance, truck finance and use a variety of security and streamline your repayments to suit you.

Our finance Team are experts in operating lease and rental for all types of business equipment for major corporations, multinationals, federal, state and local government, education and small businesses in most industries.

With over 20,000 happy clients and access to a large range of lenders, we can secure finance at the best rates for you. Trust in our experienced team to provide you with financial solutions that suit your individual requirements. Your personal finance consultant will walk you through every step of arranging your boat loan. Our dedicated finance Team at Kiwi Car Loans can organise any type of lease or equipment loan anywhere in New Zealand, call  or !

We partner with 700 vehicle and equipment dealerships and service nationwide with smarter finance.

A couple signing finance documents

Who Can Apply

You can apply for finance with us if you fulfil these conditions:

  • You're a New Zealand resident or visa holder
  • You're over 18 years of age
  • Hold a valid New Zealand driver license
  • Have a regular income

What you need to apply

  • Valid driver license
  • Proof of address
  • bank statement less than 30 days old

See how affordable your dream is with our calculator


10.45% 19.95%

$143 Apply Now

* Interest rate is indicative range only.


10.45% 19.95%

$27,921 Apply Now

* Interest rate is indicative range only.

Protect yourself from the unexpected

We can arrange:

  • Payment Protection Insurance
  • Guaranteed Asset Protection
  • Mechanical Breakdown Warranties
  • Comprehensive Motor Vehicle Insurance

Additional Insurance Products are also available to help protect you and your new asset.

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KCL 11th year anniversary

We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is a business car loan?

A business car loan is money you borrow from a bank or financial institution which is then used to purchase a vehicle for your business. The money is then paid back plus interest over the length of the loan term which is outlined in the loan agreement. Your business car loan can either be secured where collateral is needed as security on the loan or unsecured where no collateral is needed for the loan.

2. How does a business car loan work?

A business car loan starts with you applying for a car loan with a financial lender. The lender then assesses your loan application based on factors like credit ratings, income, expenses etc. If the lender is satisfied with your circumstances then they will approve the application. Once approved you can then purchase the vehicle to use for your business. You must then pay back the loan money in full plus interest and any other loan expenses as outlined in the loan agreement.

3. Who can apply for a business car loan?

If you’re a New Zealand resident or visa holder, over 18 years of age, hold a valid New Zealand driver licence, have regular income and purchase the vehicle for business purposes then you can apply for a business car loan with us.

4. Should you get business car finance?

Business car finance can be useful for sole traders to obtain extra money to purchase a business vehicle. It can also benefit sole traders in other ways such as building a credit history and improving your credit score which can help with future financing. Lastly because the vehicle will be used for business purposes then the car financing itself is tax deductible which can save you money over the long term.

5. What interest rate do you charge?

Our interest rates vary depending on individual applications and other factors such as credit ratings, how well you have paid off previous loans, secondary income etc. If you are interested in finding out a more definitive interest rate then please reach out to one of our loan experts on .

6. How do I calculate business car finance repayments?

Kiwi Car Loans have created an online which gives you a quick estimate of weekly or monthly loan repayments. This also allows you to get a quick indication if you can afford the loan amount over the length of the loan term.

7. Can you sell a business car under finance?

If your business car finance is secured and the car itself is collateral for the loan then you will need to speak with your financial provider for further information. If the collateral isn’t the car then you can sell the car but you will still need to pay back the loan. If the business car finance is unsecured then you can sell the car as normal but again you will have to pay back the loan.

8. What does refinancing a business car loan mean?

You may want to look at refinancing your business car loan in order to either reduce the interest rate you are paying on the loan or shorten the length of the term. Refinancing occurs when you replace your current loan with a new loan from another provider who has a lower interest rate.

9. How long does it take to get an answer?

We aim to get back to you within a couple of hours. If you would like to discuss your application urgently, please call us on .

10. Do you offer no-deposit business car loans?

Yes, we certainly offer no-deposit business car loans, apply or contact us on .