Car loans &
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.

Car loans &
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.

Flexible vehicle loans to suit you

Having a reliable vehicle is often a necessity. Which is why we offer Car & Vehicle Loans, designed to help you access the vehicle you need while spreading the cost over management payments. To ensure the best possible lending experience with us, we have a couple of important requirements. Click here to find out more.

secured loans from
9.90% p.a.*

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

unsecured loans from
12.90% p.a.*

Max $40k for existing Unity members and $20k for new members. Affordability and credit score criteria apply.

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.^
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 as at 31 January 2024.

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

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


Approval fee


Third-party charges


Total borrowed



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 approval fee + other fees apply. View a full list of rates and fees.

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. 


Hit the road sooner with Unity 

Whether you are looking to upgrade from your existing car or buy a new one, our friendly team is 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.

We've got you covered

Provident Carminder® Comprehensive Insurance covers you if your vehicle is:

• involved in an accident, regardless of who is at fault
• stolen
• damaged or destroyed by fire
• maliciously damaged

There’s no excess to pay if your windscreen breaks plus all Carminder® policies come with Roadside Assistance provided by New Zealand Roadside Assistance.

Market value policies are available with terms that cover you for 12, 18, 24, 30, or 36 months. And if you purchase a multi-year policy, you get the benefit of locking in your premium for the selected term, plus an annually reducing excess, regardless of claims!

Find out more


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.