Your Dream Car Is Just One Step Away; Secure Your Car Loans Nz Today

Buying your favourite car is not just a dream anymore. Step into reality and get your car finance through Link Finance Limited’s transparent process for car loans.

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Ways to borrow with Link Finance

From first car to an upgrade your new vehicle is closer than you think

Link Finance Limited doesn’t let you drain your savings or wait weeks or months to get the perfect car loan. We guide you through the whole process, align the right lenders for you, and make sure that you get the best deal for your next vehicle.

Loan term

We align the loan term that sits with your budget and lifestyle whether it’s a 1 year quick or 5 year extended plan.

Loan amount

Our car loans range from as low as $3,000 to an amount of $25,000 (or even more), tailored to your needs.

Loan repayments

Pay the amount back in a way that suits your cash flow; fortnightly, weekly, or monthly

Loan interest rates

Link Finance doesn’t believe in generic interest rates. That’s why we keep them personalized based on your profile, car type, and loan term starting from 8%.

Loan fees

We guide you about the charges straightforwardly, so you already know what to expect before the procedure begins.

Loan planning tips

Link Finance shares the best tips with you about smart budgeting and quick repayments, to make your loan stress free.

Who can apply?

Eligibility criteria for a car loan in NZ

Before you apply for the car loan, make sure to go through these few essential requirements. These will ensure that you can manage the repayments easily and increase the chance of your loan approval:

  • You must be at least 18 years old.
  • You should be a New Zealand citizen, resident, or someone with a valid student or work visa
  • You should have a valid NZ driver’s license (Learner, Restricted, Full) or a recognised international permit.
  • Your income should be more than $30,000 before tax annually

If you meet these requirements, the lender can easily assess that you are both legally and financially eligible for the loan. Thus, your approval becomes smooth.

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OUR PROCESS

Easy Process to Get Your Car Loans NZ

Follow these three quick steps to get your hands on the car loans mediated by Link Finance through the best lenders in town.

Apply for a loan

Fill out our digital application form, attach your recent bank statements and driver’s license, submit and wait it till reviewed.

Get approved fast

Our team will assess your application thoroughly and respond to you quickly, often within the same day.

Receive your funds

Once approved, your funds will be directly deposited to your New Zealand bank account so you can streamline the process.

Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why Choose Link Finance?

Car Finance Experts You Can Trust

At Link Finance, we’re real people offering real support, no confusing jargon or hidden terms. Because car finance NZ isn’t just about getting a vehicle, it’s about the freedom and opportunities that come with it.

Smarter car loans NZ for every kiwi driver

Get behind the wheel faster with quick, easy car loans NZ wide. Enjoy a seamless application process with no impact on your credit score, plus fixed interest rates for complete peace of mind.

Fast. Simple. Sorted

We handle the hard stuff so you don’t have to. From application to approval, we make your journey smooth, no long waits, no mountains of paperwork, just reliable car finance NZ that works.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Car loans NZ without the hassle

Looking to get on the road without paying the full price upfront? Car loans NZ make it possible. Instead of dipping into your savings, you can borrow the amount you need and repay it over time in manageable instalments. Whether it’s your first car, a family upgrade, or a fun weekend ride, car finance NZ helps you drive away sooner, without blowing your budget.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Everything you need to know about car finance NZ with Link Finance.

Yes, most car loans in NZ can be paid off early. However, it’s important to check your loan agreement, as some lenders may charge an early repayment fee. Paying your loan off early can reduce the total interest paid—especially if there are no penalties for doing so.

Loan amounts typically range from $5,000 to over $250,000, depending on your income, credit history, current debts, and the lender’s criteria. At Link Finance, we’ll help match you with a loan that fits your budget and needs.

You can use our car loan calculator to estimate repayments, interest costs, and total borrowing amount. It’s also useful for seeing how extra repayments could save you money over time.

Interest rates vary based on your credit profile, income, and whether the car is new or used. New vehicles often qualify for lower rates. At Link Finance, we compare multiple lenders to help find the best rate available for your situation.

We aim to respond within 30 minutes, and most approvals are completed within 1–5 business days. If your application is urgent, you can always call us directly at 0800-1177-86.

Yes. At Link Finance, we understand that life happens. We work with lenders who consider applicants with less-than-perfect credit, helping Kiwis get back on the road.

Yes, you can. As long as you meet the standard lending criteria (such as income and residency status), having a learner’s licence won’t stop you from being approved.

Yes, but you’ll need to notify your lender. Most lenders require the remaining loan balance to be paid off before the vehicle ownership is transferred.

Car finance NZ refers to borrowing money to purchase a vehicle. You repay the loan over time with interest, under an agreement that includes details like the loan amount, term, and repayment schedule.

In New Zealand, car finance lets you spread the cost of a vehicle over time. You apply, get assessed based on your credit and income, and repay the loan in regular instalments—usually weekly, fortnightly, or monthly.

To get started, simply fill out our online car loan application form. Provide details like your income, ID, and driver’s licence. We’ll handle the rest—reviewing your info, comparing lenders, and helping you secure the best offer.

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At LinkFinance, we’re using cutting edge technology to transform the industry and deliver financial services that actually work for you.

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