Car loans and
vehicle finance
from 9.90% p.a.*

Buying a new or used vehicle? A Unity vehicle loan lets you shop with confidence. 100% online application.

Apply now

Car loans and
vehicle finance
from 9.90% p.a.*

Buying a new or used vehicle? A Unity vehicle loan lets you shop with confidence. 100% online application.

Apply now

Get the vehicle you want, sooner.

Need a new set of wheels? Whether it’s your first car or an upgrade for the whole whānau, we’re here to help you get on the road with a loan that fits your budget. Spread the cost over manageable repayments designed around your needs.

  • Borrow from $2,000 up to $40,000 unsecured (or $60,000 secured)
  • Competitive rates starting from 9.90% p.a.*
  • Quick, 100% online application
  • Flexible repayment options to suit your budget
  • Personalised service from a local, friendly lending team.

Apply now

secured loans from
9.90%p.a.*

Maximum loan amount $60,000. Affordability and credit score criteria apply.

Apply now

unsecured loans from
12.90%p.a.*

Maximum loan amount $40,000. Affordability and credit score criteria apply.

Apply now
Kids in the back of the car with family dog

Why finance with Unity?

  • We listen. We get to know your situation and help you find the right loan.
  • We’re local. Real people, here to help (not a call centre overseas).
  • We’re fair. No hidden fees or confusing fine print. 
  • We’re flexible. We’ll tailor your repayments to suit your budget and lifestyle.

How it works

  • Apply online. Quick, simple form, no stress.
  • Get approved. We’ll give you the thumbs up (or ask for a bit more info).
  • Pick your car. Shop with confidence knowing your budget.
  • Hit the road. Repayments are sorted, and you’re ready to roll.       

Who can apply for a vehicle loan?

To be eligible for a Unity personal loan, you’ll need to meet the following criteria:

  • Be 18 years or older
  • Be a New Zealand citizen or hold a Permanent Resident Visa
  • Be able to provide proof of identity
  • Be employed (and have a regular income)
  • Have a permanent or fixed address (this includes renters, boarders, and those living with family)
  • Have a satisfactory credit report

Co-borrowers are welcome to join your application.

Apply now

Personal finance interest rates

We use a risk-based approach to set interest rates, considering a range of factors like your credit score and affordability. Based on your financial details, we’ll assign a risk grade that determines the interest rate.

 

Secured loan

Unsecured loan
GradeInterest rate p.a.^Interest rate p.a.^
Green A 9.90% 12.90%
Green B 11.90% 14.90%
Blue A 13.90% 16.90%
Blue B 15.90% 18.90%
Yellow A 17.90% 20.90%
Yellow B 19.90% 22.90%
Orange A 21.90% 24.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 31 January 2024.

View our interest rates and fees. Find information on our loan agreements and terms and conditions.

Repayments example

                                             

When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs (excluding interest) included over the term of a secured vehicle loan:

Personal borrowing

$20,000
+

Application fee

$200
+

Third-party charges

$29.44
=

Total borrowed

$20,229.44

               

Set up over a term of 7 years (366 weeks) at 9.90% p.a. interest = weekly repayments of $77.26

This example is calculated using a floating [secured] rate of 9.90% p.a. over a 7-year term. The total cost of borrowing over the loan term would be $28,122.22 (indicative only). This example is not an offer from Unity.  How much you can borrow and repay depends on your personal circumstances.  Secured floating interest rates from 9.90% - 21.90%. T&Cs apply. $200 application fee + other fees apply. View a full list of rates and fees.

Vehicle finance FAQs

Got questions about car loans and finance?

You may find the answer on one of the pages below:

If you can't find an answer, please feel free to contact us.                                        

Helpful vehicle finance guides

Finance a car and avoid a lemon

Nine tips for avoiding a lemon when financing a used car

Buying used is the kind of financially savvy thinking we can get behind! But how do you make sure you're not buying a dud? Click through for our tips that'll give you confidence out on the used car lot.

Tips to avoid buying a dud >

10-Point car finance checklist

The ultimate 10-point checklist for buying a car

Buying your first car? Or upgrading to something bigger for the whānau? There are some things to consider before signing on the dotted line. Click through to make financing your next car stress-free.

The ultimate checklist for buying a car >

Car loan guide

Three go-to tips for financing your next vehicle

Are you struggling with a list of questions a mile long? Don't worry! Keep reading for our answers to those all-important questions of how, when, and where to finance your next vehicle. 

Three tips for financing your next vehicle >

Blogs & guides

Looking for more info? Check out our other guides.