car loans.

An online finance application process giving you access to more than 600 car dealerships throughout New Zealand.

Credit assessment and responsible lending criteria and inquiries will apply to all applications

Loans from $2,500 to $75,000.
Interest rates from 10.25% – 23.95% p.a. fixed.

Why choose Finance Central?

Online application

Apply for finance
on-the-go or from the
comfort of your own home

Competitive rates

We offer competitive
interest rates from
10.25% – 23.95% pa fixed

Straightforward application

Our application process
is straightforward and initial
assessment is processed in

Responsive decision

Once you've completed your
application we’ll provide an initial response within 60 seconds.
Note: Responsible lending criteria and credit assessment and inquiries will apply to all applications

Mandatory fees: account fee of $9.85 a month, establishment fee of $205, and PPSR fee of $9.10 to be paid up front or capitalised over the term of the loan

What we offer

  • Interest rates

    10.25% – 23.95% p.a. fixed

  • Competitive fees

    $205 establishment fee

  • Loan amounts

    $2,500 – $75,000

  • Loan terms

    6 – 60 months

  • Online application process
  • Friendly support team
  • Transparent process and experience
  • Initial response generally provided within 60 seconds
  • Available for all Drivers License - Learners, Restricted and Full

* Responsible lending criteria, mandatory fees, interest, terms and conditions apply. Interest rate 10.25% - 23.95% p.a. fixed, determined by credit risk. Mandatory fees: account fee of $9.85 per month, establishment fee of $205 and PPSR fee of $9.10 to be paid up front or capitalised over the term of the loan. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 6 months. Maximum term 60 months. Security and vehicle insurance may also be required. Credit provided by Avanti Finance Limited.

Get started now.

Begin our obligation-free online application process today.

Apply Now

About us

To help simplify the finance process when purchasing a vehicle we created Finance Central – a customer-led online journey.

We built Finance Central on the building blocks of ethics and responsible lending – to help Kiwis get behind the wheel of their next vehicle.

Proud to be 100% New Zealand
owned and operated.

Easy access to 600+ kiwi car dealerships

Finance Central has relationships with more than 600 car dealerships located throughout New Zealand making it easier and faster for you to find and finance your next vehicle.

Why buy from a registered car dealer:

  • Better consumer protection
  • Trade-ins accepted
  • Clear title guaranteed
  • After sales service
  • Expertise and knowledge
  • Large vehicle range
  • Servicing & inspections

Loan information

Amount to borrow
Term of loan
Interest rate

Repayment calculation

Amount to borrow
Establishment fee
Security Registration (PPSR) fee
Total to finance

Repayment frequency

Indicative repayments

Total repayments ()
Apply Now

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