# Kiwi Car Loans > Kiwi Car Loans is a New Zealand-based vehicle finance broker founded in 2013. We connect customers with a wide network of lenders to offer tailored, competitive finance for cars, motorbikes, jet-skis, boats, caravans, and personal loans. Our process is 100% online, open 7 days a week, and supported by over 1,500 five-star Google reviews. ## About Kiwi Car Loans Limited is a licensed finance broker, not a direct lender. We source and facilitate loan approvals on behalf of customers through our network of New Zealand lenders and dealerships. We serve all credit situations including customers with bad credit, work visas, learner licences, and self-employment. Our team offers multilingual support including English and Mandarin Chinese. - Founded: 2013 - Customers served: 35,000+ - Google rating: 4.9 stars (1,500+ reviews) - Location: 415 Great South Road, Ellerslie, Auckland 1051, New Zealand - Phone: 0800 008 888 - Email: finance@kiwicarloans.co.nz - Hours: Open 7 days a week ## Loan Products - [Car Loans](https://www.kiwicarloans.co.nz/car-loans): Finance for new and used cars. No deposit options available. Loan amounts from $5,000 to $250,000. - [Motorbike Loans](https://www.kiwicarloans.co.nz/motorbike-finance): Finance for motorcycles and scooters. - [Jet-Ski Finance](https://www.kiwicarloans.co.nz/jet-ski-finance): Finance for personal watercraft and jet-skis. - [Luxury Car Finance](https://www.kiwicarloans.co.nz/luxury-car-loans): Finance for premium and high-end vehicles. - [Sports Car Finance](https://www.kiwicarloans.co.nz/sports-car-loans): Finance for sports and performance vehicles. - [UTE Finance](https://www.kiwicarloans.co.nz/ute-loans): Finance for utility vehicles and utes. - [Personal Loans](https://www.kiwicarloans.co.nz/personal-loan): Unsecured personal loans for a range of purposes. - [Other Loans](https://www.kiwicarloans.co.nz/other-loans): Finance for boats, caravans, motorhomes, farm equipment, electric vehicles, and private sales. ## Insurance Products - [Comprehensive Car Insurance](https://www.kiwicarloans.co.nz/insurance/comprehensive): Full vehicle coverage through Autosure. - [Guaranteed Asset Protection (GAP) Insurance](https://www.kiwicarloans.co.nz/insurance/guaranteed-asset-protection): Covers the difference between insurance payout and outstanding loan balance. - [Mechanical Breakdown Insurance](https://www.kiwicarloans.co.nz/insurance/mechanical-breakdown-insurance): Covers repair costs after the manufacturer's warranty expires. - [Payment Protection Insurance](https://www.kiwicarloans.co.nz/insurance/payment-protection-insurance): Covers loan repayments if the borrower is unable to work due to illness, injury, or redundancy. ## Key Details - Interest rates: Fixed, ranging from 9.95% to 23.00% per annum - Loan amounts: $5,000 to $250,000 NZD - Loan terms: 12 to 84 months - Loan establishment fee: From $510 NZD - PPSR fee: From $7.39 NZD - Monthly administration fee: From $2.17 NZD - Approval time: Response within 30 minutes, approval within 1–5 working days - Application: Fully online, no branch visit required - Deposit: $0 deposit options available ## How It Works 1. Apply online in 3 minutes at https://www.kiwicarloans.co.nz/form 2. An expert broker contacts the customer within one working day to tailor a loan 3. Submit documents online via secure electronic ID verification 4. Get approved and drive away ## Resources - [Car Loan Calculator](https://www.kiwicarloans.co.nz/calculator): Estimate repayments or borrowing capacity without affecting credit score - [Forms & Documents](https://www.kiwicarloans.co.nz/forms-and-documents): Application document checklist and downloadable forms - [Accreditations](https://www.kiwicarloans.co.nz/resources/accreditations): Lender and industry accreditations - [Frequently Asked Questions](https://www.kiwicarloans.co.nz/frequently-asked-questions): Answers to common questions about loans, payments, and insurance - [Complete Car Buying Guide](https://www.kiwicarloans.co.nz/kcl/resources/complete-car-buying-guide.pdf): Free downloadable PDF guide ## Blog - [How Much Does a WOF Cost?](https://www.kiwicarloans.co.nz/blogs/how-much-does-a-wof-cost) - [What You Need to Know About Rego in NZ](https://www.kiwicarloans.co.nz/blogs/what-you-need-to-know-about-rego-in-nz) - [Understanding Car Tyre Tread Depth](https://www.kiwicarloans.co.nz/blogs/understanding-car-tyre-tread-depth) - [Understanding Car Loan Interest Rates](https://www.kiwicarloans.co.nz/blogs/understanding-car-loan-interest-rates) - [What is the Most Stolen Car in New Zealand?](https://www.kiwicarloans.co.nz/blogs/what-is-the-most-stolen-car-in-new-zealand) - [How to Finance a Car in New Zealand](https://www.kiwicarloans.co.nz/blogs/how-to-finance-a-car-in-new-zealand) - [How Do Car Loans Work?](https://www.kiwicarloans.co.nz/blogs/how-do-car-loans-work) - [How to Improve Your Credit Score in NZ](https://www.kiwicarloans.co.nz/blogs/how-to-improve-credit-score-nz) - [Can You Sell a Car on Finance?](https://www.kiwicarloans.co.nz/blogs/can-you-sell-a-car-on-finance) - [All blog posts](https://www.kiwicarloans.co.nz/blogs) ## Company - [Our Company](https://www.kiwicarloans.co.nz/about/our-company) - [Our People](https://www.kiwicarloans.co.nz/about/our-people) - [Careers](https://www.kiwicarloans.co.nz/about/career) - [Contact Us](https://www.kiwicarloans.co.nz/about/contact-us) - [Partner with Us](https://www.kiwicarloans.co.nz/about/partner-with-us) - [Refer a Friend](https://www.kiwicarloans.co.nz/refer-a-friend): Earn a $200 gift card for each successful referral ## Legal - [Privacy Policy](https://www.kiwicarloans.co.nz/privacy-policy) - [Disclaimer](https://www.kiwicarloans.co.nz/disclaimer) - [Site Map](https://www.kiwicarloans.co.nz/site-map) Kiwi Car Loans Limited complies with the New Zealand Privacy Act 2020 and responsible lending standards. Approval is subject to lending criteria, affordability checks, and terms and conditions.