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A young NZ couple looking at a silver SUV at a New Zealand dealership in soft afternoon light

Buying Guides · Featured

How much can I actually borrow for a car in NZ?

A practical guide to working out your car loan amount in NZ. Income, debt, deposit, and what specialist lenders actually approve.

28 April 2026 · Tyler Newman

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A confident young Kiwi professional standing beside a modern compact SUV at a New Zealand dealership

First-Time Buyers

No credit history? Here is how NZ vehicle finance actually works.

First time borrowing, new to New Zealand, or no credit cards? A thin file is not a no. Here is what NZ specialist lenders look at instead.

25 April 2026
A self-employed Kiwi tradie standing beside a white work ute at a New Zealand worksite, holding a tablet

Self-Employed

Self-employed? Here is what NZ lenders actually want to see

Salary slips don't apply when you work for yourself. Here is the paperwork that gets self-employed Kiwis approved for a vehicle loan.

22 April 2026