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Check out our Vehicle Finance options

Ready to hit the road on a motorbike or explore the great outdoors with your family in a campervan? You could finally skim across the water on your boat, Jet Ski, or your dream water toy. We could help make all this possible with the right vehicle loan for you – our experience and expertise make us one of the leading providers of vehicle finance in NZ.

At Instant Finance, we’ve helped thousands of New Zealanders get the right loan for their next vehicle. With a fast online application process, we make getting the vehicle you need easy. So why wait? Apply online or get in touch with our friendly team today so you can hit the winding road or waves in style.

Act like a cash buyer

Don’t let financing hold you back from getting your dream vehicle. With Instant Finance pre-approved vehicle loans, you’ll know exactly how much you can afford, allowing you to act like a cash buyer at the vehicle dealership. Negotiate the best deal on your new vehicle, motorcycle, jet ski or campervan. Apply now and drive off the lot with confidence.

Get on the road faster with online vehicle loan applications

Don't let complicated loan applications slow you down. Our easy online application process takes the hassle out of getting vehicle finance in NZ. Complete our online application, provide the necessary documentation, and we will work with you on the rest. Our team will review your application and provide you with options for vehicle loans that suit your needs.

How does Instant Finance vehicle finance work?

At Instant Finance, it’s easy to apply for a vehicle loan.

  1. Apply online with your contact info, financial details, the loan amount, and the type of loan you want.
  2. We’ll assess your vehicle loan application and let you know if we can lend you the money and what loan options you’re eligible for.
  3. If we can, we’ll transfer the money directly to your bank account.

Easy as!

Start your Vehicle Loan application today!

Apply Now

Check out our Vehicle Finance options!

Ready to hit the road, water, or trail? At Instant Finance, we offer vehicle loans for more than just cars—think boats, jet skis, motorbikes, caravans, and motorhomes.

Whether you're upgrading your daily drive or planning your next adventure, explore your loan options by clicking below.

Boat and Jet Ski Finance

Whether it's a tinny for the weekend or your first proper offshore boat, we can help you get on the water sooner. Spread the cost over a term that suits you – up to 7 years – so summer doesn't have to wait for your savings to catch up.


Motorbike Finance

From your first bike to the tourer you've been dreaming about, our motorbike loans give you the freedom of the open road without draining your account in one hit. Terms run up to 7 years, so your repayments can be as manageable as the ride itself.

Caravan and Motorhome Finance

Ready to see New Zealand at your own pace? A caravan or motorhome loan can help make that happen, with terms up to 7 years so you can enjoy the open road without the financial squeeze.

Car Loan

Upgrading your everyday ride instead? Head over to our dedicated Car Loan page for car-specific tips, rates, and our car loan calculator.

Boat and Jet Ski Finance Motorbike Finance Caravan and Motorhome Finance Car Loan

FAQ's

What's the difference between a car loan and a vehicle loan at Instant Finance?

They're both personal loans with the same rates and terms – the difference is just what you're buying. Our Car Loan is built specifically around buying a car, while our Vehicle Loan covers everything else that gets you moving: motorbikes, boats and jet skis, caravans and motorhomes.

What types of vehicles can I get finance for?

Cars, motorbikes, boats, jet skis, caravans and motorhomes – if it gets you from A to B (or out on the water), chances are we can help.

How much can I borrow, and for how long?

Our loans range from $500 to $50,000, with terms from 3 months up to 7 years, so you can find a repayment amount that actually fits your budget.

Do I need a deposit?

Not necessarily – we look at your full financial picture first, and in many cases we can arrange a loan with no deposit needed.

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Loan terms

Our minimum loan term is 3 months, and our maximum loan period is typically 7 years.

Interest rates

Instant Finance provides loans at an annual interest rate from 9.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.

Once set, the interest rate is fixed for the term of your loan.

Default interest rate

If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid.

For Personal Loans written prior to 1 March 2026, the Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.

For Personal Loans written after 1 March 2026, the Default rate that we charge is 5% per annum.

On this basis the maximum annual interest rate charged would be 39.95%

Loan fees

Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:
Loan establishment fee
A one-off set up fee for your loan.

From $100 to $220 depending on amount of new money borrowed.

Digital ID Verification Fee
A per verification charge through a 3rd party where we meet face to face

$2.55 per person

Digital & Biometric ID Verification Fee
A per verification charge through a 3rd party where the loan is transacted remotely.

$7.70 per person

Security Registration fees
For secured loans where we register an interest in Personal Property items provided as security

$8.05

Administration Fee
A fee payable on each instalment due date of your loan

$3 (per instalment)

Credit and Default fees
Default or other fees that can arise during the course of a loan are shown in our full fee schedule.

Loan Example:

The amount repayable of your loan is made up of your interest rate, plus fees. For example, if borrowing $10,000 repayable over 3 years at an interest rate of 29.95% you would be required to make 156 weekly instalments of $102.54. This repayment is made up of interest, an establishment fee of $220, an ID verification fee of $7.70 and an administration fee of $3.00 per instalment.
Total interest would be $5,300.54 with total fees of $695.7 making the total payable over the full term $15,996.24.