Admiral Finance Car Loans NZ

100% Kiwi-owned and operated, Admiral Finance has earned a rich experience and impressive reputation ever since its inception back in 2003. Cheap Admiral Finance car loans in NZ are easily accessible, even to residents with negative credit ratings, allowing them to also reach their goals of purchasing a new vehicle.

Wondering if getting an Admiral Finance car loan for cheap is the right option for you? See your options from other providers using our FREE comparison tool here at CompareBear! Start your search for the lowest interest rates today!

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admiral finance car loans nz

Why Choose Admiral Finance Car Loans in NZ?

Thanks to their simple loan process, getting approved for a car loan is easily accessible for most Kiwis. You can easily get in touch with their customer service team to figure out a deal that can work for you even when you have bad credit. Admiral Finance values your convenience, ensuring that you get competitive and personalised rates. This is your chance to make the most out of your vehicle without the burden of more financial obligations.

Convenient Online Application

Simply follow these three steps in order to apply for a cheap Admiral Finance Car Loan online:

Fill out the online application form or give the team a call
Provide the details needed regarding your loan
Wait for the funds to be transferred to your account, or be given your funds in the form of a cash cheque

How does Admiral Finance Car Loans in NZ work?

Fees and Terms

Admiral Finance car loans are secured loans, requiring you to register an asset as collateral to use as a guarantor for the loan. You can get interest rates varying between 13.95% to 23.95% p.a. depending on your profile and reputation as a borrower and the type of collateral you’re registering. You can borrow any amount between $1,000 and $50,000, with repayment terms of 6 months to 5 years.

In addition, when you’re availing of Admiral Finance car loans for cheap in NZ, it pays to take note of the following important fees included:

Application fee between $125 and $595
Administration fee of $2.80 per week or $12 per month
Security variation fee of up to $150
Default fees


To qualify for an Admiral Finance car loan:

An NZ resident with a proof of identity via a valid NZ passport or driver’s license
You must be above 18 years old. Residents aged between 18 and 21 need to have a guarantor for the loan
At least $400 in weekly earnings
A physical asset in order to secure your loan
Fair and reasonable credit history
A minimum of a restricted license

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No. Unfortunately, Admiral Finance requires at least a Restricted License in order to consider a borrower for their car loans.

There’s two types of IDs you’ll need in order to be approved for a car loan. These are a photo ID such as your license or passport, and a secondary ID such as your bank card or your birth certificate.

While Admiral Finance does not need a borrower with a flawless credit history, they do need to consider other things. For instance, you cannot be bankrupt when taking out even a cheap Admiral Finance car loan. Additionally, you will need to register an asset as security for the loan.