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

$200

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.

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 interest.co.nz as at 29 September 2021.

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

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.


FAQ

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.


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