Finance Direct Car Loans NZ

As one of the most competitive Peer-to-Peer lending services in NZ, Finance Direct’s car loans are cheap and easily accessible for many residents in NZ. They offer great terms and affordable interest rates tailored to each customer’s credit profile, allowing them to easily find a deal that works for them.

See how cheap Finance Direct car loans fare against other providers in NZ. Get the best interest rates on your next car purchase when you compare providers using our FREE service here at CompareBear!

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finance direct car loans nz

Why Choose Finance Direct Car Loans in NZ?

Through their 100% online platform at, you can easily receive same day service as your application, leading to a hassle free loan experience. This is especially useful for people looking for quicker turnaround times due to whatever urgency they may have.

Swoosh Finance car loans offer secured car loans so you’ll need to render an asset as collateral for the loan, such as a vehicle, boat, motorbike, or even your home. For these  assets to be accepted, they should be registered under your name.

How does Finance Direct Car Loans in NZ work?

You can get interest rates starting at 3.39% going up to 24.95% depending on the type of loan you take out as well as your own personal circumstances. Terms can usually vary, so you can easily make repayments in a minimum of 6 months, up to a maximum of 60 months for a car loan.

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It depends on the circumstances. It’s usually a rare occasion but purchasing from a private seller may require a valuation. In that case, Finance Direct will send over a form that needs to be filled out by a licensed dealer.

You can send over your repayments via automatic payment, direct debit, or even via internet banking using your nominated account.

Yes. You can typically apply with a guarantor who will come on to the loan with their own vehicle or asset as a collateral, increasing your chances of securing approval for your car loan.