Simplify Car Loans NZ

Co-founded in 2015 by Scott Robertson and Glenn Wilson, Simplify specializes in helping Kiwis secure and their dream car in NZ! They believe that buying your first vehicle should be an enjoyable experience and have taken strides to ensure a smooth, seamless process, and friendly customer service. Simplify Car Loans in NZ are cheap, convenient, and accessible to anyone looking to make their first vehicle purchase, making them one of the best providers to start out with.

Car Loans Calculator
simplify car loans nz

Of course, if you’re interested in checking out other providers in NZ, this process is just as easy. Simply hop over to our FREE comparison tool here at CompareBear and see all the best deals from your provider of choice.

Why Choose Simplify Car Loans?

Simplify specializes in helping Kiwis acquire the funding they need for a new car purchase. They’re also able to balance their use of online tools and services with a friendly, customer-centric approach that works for many people. They can handle half of your car loan application, reducing the stress involved in the process while also offering competitive interest rates for faster repayments.

In addition to being cheap, Simplify Car Loans in NZ also have no hidden charges and additional mark-ups. They are upfront about their costs and you’ll only pay an establishment fee once the loan is approved and perhaps other fees arranged by the car dealers themselves. They also issue statements every six months which helps you track your balance so you know exactly where your money goes.

How does Simplify Car Loans work?

Secured Car Loans

With a starting interest rate of 6.50% p.a., Simplify offers secured car loans which requires security to be used as a guarantee. This helps lower interest rates when it comes to repayments as the lender has more peace of mind when it comes to helping you with your finances. Under a Simplify secured car loan, you can borrow anywhere from $5,000 to $500,000 for 12 to 60 months

Illustration 02


For those only needing a vehicle for a short amount of time, you can use Simplify’s car subscription service instead. A car purchase can be expensive and usually involves long-term commitment and you may not necessarily want to commit to this yet. Under this service, you can pick a car on a 3, 6, or even a 12 month plan, which you can now use and pay for on a fixed weekly subscription fee.

Application can be easily done online. Simply fill out the form with your personal details, andthe car that you’re planning to purchase. A member of the Simplify team will get in touch with you afterwards where they can walk you through the whole process, including the documents you’ll need to provide.

You can avail of a Simplify Car Loan when you are at least 18 years old, and a New Zealand citizen or permanent resident. You’ll also need to be earning at least $500 per month for the repayments on your new car!