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.
|Grade||Interest rate p.a.^||Interest rate p.a.^|
^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 30 August 2023.
View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.
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:
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% - 18.90%. T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees.
Helpful finance guides
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.
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.
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
• 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!
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.