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Choose Smarter Car Finance,Choose Kiwi Car Loans!

Self Employed Loan

Kiwi Car Loans are experts in providing smarter finance to self employed individuals. A wide range of vehicle finance options are available to self-employed clients. The key is to determine which one best suits your needs and business cash flow.

One of the advantages of running your own business is that you may be able to claim part of your car's costs including loan interest, as a tax deduction. This can make your choice of car finance and being self-employed surprisingly affordable.

Lenders generally look for tax records, bank statements and accounting records to determine your income and we can work together to ensure all the documents required are in order. It can be really handy if you have an accountant and recent accounts for your business, but if you don’t that’s alright as we can look at other options.

At Kiwi Car Loans, we understand that when running a business, 'time' can be your most valuable commodity, that's why we do all the work for you to provide smarter finance.

If you are self employed and looking at your next vehicle, talk to one of our finance experts today on  or ! 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 loan.

We partner with 700 vehicle 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 self employed car loan?

Similar to a regular car loan a self employed car loan involves borrowing a sum of money from a financial lender for the purpose of purchasing a car as a sole trader. The money is then paid back by the borrower until the principal and interest is paid in its entirety. A self employment car loan can either be secured where collateral is used as security for the loan or unsecured loan where no collateral is needed.

2. How does a self employed car loan work?

A self employment loan works by first applying for a car loan based on the price of the car you want to purchase. The lender then either accepts or rejects the loan taking into action several factors like credit rating, income and debts etc. If accepted you can use the money to purchase the car you want. It is then up to you to repay the loan amount plus interest and any other additional costs outlined in the loan agreement.

3. Who can apply for a self employed 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 are self employed then you can apply for a self employed car loan with us.

4. Should you get self employed car finance?

Self employed 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 & improving your credit score which can help with future financing. Also because the car or vehicle is used for business purposes you will be able to get tax deductions on the car loan itself. If you want to discuss further advantages of getting then flick us an email on

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. For more information on interest rates please contact us on .

6. How do I calculate self employed car finance repayments?

If you are interested in finding out how to calculate self employed car finance repayments and how much you can borrow the best solution is to use our .

7. Can you sell a self employed car under finance?

The answer is it depends on the type of loan you have and your loan provider's terms and conditions. If your self employed car loan is secured and the collateral on the loan is the car then you will need to talk with your loan provider for further information. If the collateral on the loan is another item of value then you can sell the car but you will still need to pay back the loan in full. If the loan is unsecured then you can sell the car but again you will still need to pay the loan back in full.

8. What does refinancing a self employed car loan mean?

Refinancing a self employed car loan is when you replace the current loan with a new loan from a different provider. The reason you might refinance your loan is to get a new loan at a lower interest rate which will save you money over the long term. We would advise you to get advice on this to make sure you get the right outcome for your circumstances

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 self-employed car loans?

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