Get there Faster.

Need a car loan? Take the smart route with competitive rates from 9.95% p.a. T&Cs apply. Apply online now for a no-obligation pre-approval. 
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Why choose Lendy?

Small Agile Team

Our small dedicated team customises our approach to your specific needs, enabling us to provide you with the best service and competitive rates, avoiding a one-size-fits-all approach.

100% Online Application.

You can apply online 24/7 within minutes. Our systems enable you to sign documents and verify your identity through our digital solutions. 

We're Home Grown.

We're 100% Kiwi owned and operated. We invest, hire and support local. Check out our partnership with Trees that count. For every vehicle we finance, we help plant a tree.  


Interest rates from

9.95%
p.a. T&Cs and lending eligibility criteria applies. Apply online now.

Competitive rates. 

We provide you access to competitive interest rates through our lender network, whilst also protecting your credit score. We also have zero deposit finance options available depending on your credit profile.  

Calculate your repayments.

You can use this calculator to get an estimate of how much your repayments could be. If you have a specific loan amount or loan term in mind, you can type this into the calculator.

*This Calculator is an estimate of repayments only, not an offer of finance. The calculated figure doesn’t take into account your personal financial situation or goals. Full lending criteria, contract terms, interest rates and fees apply. All interest rates are subject to change.


Repayment Calculator

Calculate your repayments.

You can use this calculator to get an estimate of how much your repayments could be. If you have a specific loan amount or loan term in mind, you can type this into the calculator.

*This Calculator is an estimate of repayments only, not an offer of finance. The calculated figure doesn’t take into account your personal financial situation or goals. Full lending criteria, contract terms, interest rates and fees apply. All interest rates are subject to change.


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Revolutionise vehicle buying. 

Revolutionise your vehicle purchase with us! Not only do we offer top-notch rates and service, but for every vehicle we help to finance, we  plant a tree with our partners at Trees That Count. These trees will not only help to mitigate any environmental impact from CO2 emissions, but they will also contribute to the ecosystems in which they are planted.

Join us in making a greener future while driving your dream car.

Check out our donations

Apply online easily.

We keep it simple. Here's how to apply online in a few easy steps. 

1. Five minute online application
You can apply 24/7 online and it takes less than 5 minutes. Get Started!

2. A quick chat.
To make sure we understand your needs so that this process is quick and easy. 

3. Finance approval.
We'll work with our network of lenders to get you the best deal and will be in touch once approved.

4. Sign on the dotted line.
Once your loan has been approved, we'll send you your loan agreement to sign online. 

5. Funds transferred.
Once the loan agreement has been signed, the funds will be transferred within 24hours (or even on the same day).

You can apply for a loan with us once you've found a vehicle or get a pre-approval ready to buy. Plus, with us you can purchase privately or from a dealer.

Apply online now
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Our Vehicle Loans.

The Lendy Difference.

Apply 24/7 online within 5 minutes

No obligation pre-approval

Borrow $3k - $250k+ secured​​ over an asset

Same day approvals

Reduced rates available from select lenders.

You can purchase privately or through a dealer

$0 deposit finance options available

Eligibility Criteria.

18 years or older required. Parental guarantor may be necessary for ages 18-21.

Have a restricted or full drivers license. Learner licence? You must have clean credit and be over 21.

Be a NZ citizen or have a working visa.

Full time employment

Have enough income to service the debt

 

We can help with just about anything.

Customer reviews

TPlongo
Rated 5 out of 5 stars


Their team was very friendly and knowledgable, I felt they really cared and were looking after me. Strongly recommend them.

Kevin.

TPlongo
Rated 5 out of 5 stars


Quick and easy process. Would definitely go through them again.

Emma.

TPlongo
Rated 5 out of 5 stars


Great service demonstrated utmost professionalism and efficiency throughout the entire process. From the moment I submitted... read more

MKS.

Trustpilot

Things to know.

How long will it take to get a decision?

We can typically get you a same day decision, within 3 hours, however there may be some circumstances where it may take a bit longer. 

How much can I borrow?

The minimum you can borrow for a vehicle loan is $5,000.

How do I get a pre-approval?

Simply fill out our application form and one of our helpful consultants will be in touch within the hour (during business hours).

Can I get finance for a private sale?

Yes, we provide finance solutions for both dealer and private vehicle sales. 

What if I have poor credit?

Not to worry, we work with several lenders who specialise in lending to those whose credit score may be lower than others. 

I don’t have a deposit, can I still get car finance?

Yes, some lenders are open to 100% finance. Talk to us to see if you’re eligible. 

Can I refinance my loan with you?

Yes - we work with a range of lenders and can work with you to work out and interest rate and repayments that work for you.

Can I get a car loan for my business?

Definitely. It’s entirely up to you whether you want your vehicle under your personal name or under your business. 

Still need help?

We're here to help. Chat to one of our friendly team to help you figure out what you need. 

Ask For Help Apply online now