Car loans &
vehicle finance
from 7.90% p.a.*

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

Car loans &
vehicle finance
from 7.90% p.a.*

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

Select a flexible car loan that suits you

secured vehicle loans from
7.90% p.a.*

minimum $2,000 - maximum $60,000 affordability and credit score criteria apply

unsecured vehicle loans from
8.90% p.a.*

minimum $2,000 - maximum $60,000 affordability and credit score criteria apply


From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.

Rates & loan information 

Loan value

$2K - $60K

Loan term

6 months - 7 years

Interest rates

7.90 - 25.90% p.a.

Approval fee


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 included over the term of a secured vehicle loan:

Personal borrowing


Approval fee


Third-party charges


Total borrowed



Set up over a term of 7 years (366 weeks) at 7.9% p.a. interest = weekly repayments of $72.05.

This example is calculated using a floating [secured] rate of 7.9% p.a. over a 7 year term. Total cost of borrowing over the term of this loan would be $26,387.13 (indicative only). This example is not an offer from Unity.  The amount you can borrow, loan term, interest rate and your repayments will vary depending on your personal circumstances.

*Secured floating interest rates from 7.90%p.a. to 24.90% p.a. Unsecured floating interest rates range from 8.90% - 25.90% p.a. T&Cs apply. Once funded, a $200 approval fee and other fees will apply. Click here to view all rates and fees.

Ready to see what you can borrow?

Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.

More information on financing your vehicle

Found a great deal on your next vehicle? Get a great rate to go with it at Unity. Whether you are looking to upgrade from your existing car or buy a new one, our team are here to help. At Unity we don’t just focus on how the numbers look on paper, we listen to your story to help you get there.

We know shopping for a new or used vehicle can be stressful. Securing finance doesn't have to be. With our simple, online application process and fast approval, your new vehicle won't be the only thing setting records. 

For more information on how we can help you finance your next vehicle, fill out our online application or call 0800 229 943 to speak with our friendly team today.

Helpful 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.


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.


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. 


Personal finance rates

Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information provided we will assign a risk grade and the corresponding interest rate could apply.


Secured loan

Unsecured loan

GradeInterest rate p.a.^Interest rate p.a.^
Orange A 7.90% 8.90%
Orange B 9.90% 10.90%
Yellow A 11.90% 12.90%
Yellow B 13.90% 14.90%
Green A 15.90% 16.90%
Green B 18.90% 19.90%
Blue A 21.90% 22.90%
Blue B 24.90% 25.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on as at 12 May 2022.

View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.  


Have any questions?

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

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

Blogs & guides

Looking for more info? Check out our other guides.