Car Loans from 9.95% p.a.
Apply in 5 Minutes.
Get pre-approved today with no impact on your credit score. No obligations, no hidden fees. 100% online, 100% NZ owned.
5/5 on Trustpilot 
Sound familiar?
Tired of getting the runaround from big banks?
Sick of waiting weeks for a simple car loan decision?
Confused by hidden fees and complicated paperwork?
Been told "no" by other lenders without a real explanation?
There's a better way.
Lendy was built for Kiwis who want a fast, fair, and straightforward car loan experience. No bank bureaucracy. No confusing jargon. Just real people helping you get on the road.
See If You QualifyWhy Kiwis Choose Lendy
We make getting a car loan simple, transparent, and actually enjoyable.
Fast Pre-Approval
Apply in under 5 minutes and get a decision fast. No more waiting around for weeks. We respect your time.
No Hidden Fees
What you see is what you get. Transparent rates from 9.95% p.a. with no surprises or sneaky charges.
Small Agile Team
Our small, dedicated team means you're not just another number. You'll get a real person who actually cares about your situation.
NZ Owned & Operated
We're 100% Kiwi. Your application is reviewed right here in New Zealand, not shipped off overseas.
All Vehicle Types
Cars, utes, SUVs, vans, new or used. We finance virtually any vehicle that gets you where you need to go.
Green Commitment
Every loan funds tree planting through Trees That Count. Drive away knowing you're also helping the environment.
Calculate Your Repayments
Use our calculator to get an estimate of your weekly, fortnightly, or monthly repayments. No commitment required. Just a quick way to see what you can afford.
Apply NowGet Your Car Loan in 4 Easy Steps
From application to driving away. We've made it ridiculously simple.
Apply Online
Fill out our quick 5-minute online application. No paperwork, no appointments. Just a few simple questions about you and the vehicle you're after.
Quick Chat
One of our friendly team members will give you a call to walk you through your options. We'll find the best rate and repayment plan for your budget.
Sign the Dotted Line
Happy with your offer? Sign digitally from anywhere. No need to visit a branch or print anything.
Funds Transferred
We'll transfer the funds directly so you can grab your new ride. It's that simple.
No obligation. No impact on your credit score.
Get Pre-Approved Today
It takes less than 2 minutes. No impact on your credit score, no obligation, and you'll hear back the same business day.
What Our Customers Say
Rated 5/5 on Trustpilot from real New Zealand customers.
"Great team all around, communication was on point and made sure to always point me in the right direction. Definitely recommend."
"Very helpful and patient, explained everything in an understanding and easy way."
"Nothing I can say about Lendy, it's very fast to get a loan. That's why I got my car too, past because of Lendy."
"Really easy to deal with and pretty much on to it with sorting out my loan. Everything was sorted within two days of my phone call."
"Very quick and effective. Best interest rates. Will highly recommend."
"Last business day of the month, very busy time, Lendy stood up for us during a difficult time and got us some much needed transport! 10 STAR RATING!"
"The team were very professional and efficient and excellent to work with."
"Real honest and helpful."
"Very easy to deal with, explained it well. Very happy. Would definitely recommend."
"Awesome communication, prompt and helpful to deal with every step of the way. Highly recommend."
"3rd time going through Sukh @ Lendy. Bros is legit good at his job. We were pre-approved for our loan within maybe 30 mins. Super fast! Super easy!"
"Great team with the greatest communication. I will definitely be recommending everyone that is looking for finance to give this team a call."
"Great communication, fast process and really helpful with processing my application. 10/10 from me."
"Huge thanks to Sukh for making the whole finance process quick and hassle-free! We applied for loan first which was approved fast and we picked up the vehicle the very next day."
"Excellent and fast job done. Really friendly staff. Every step with a great smile."
"Was made so easy and fast. Will let everyone know where to go. 5 stars!"
"I had a nice guy named Sukh who stuck with me for a long time and in the end, he successfully helped me get a car. I'm grateful to the bro!"
"Awesome team, help out with getting your chosen car and offer other options if needed."
"The people you deal with through Lendy are absolutely incredible! Everything gets done insanely fast. 5 stars ain't enough for the service!"
"Their team was very friendly and knowledgable, I felt they really cared and were looking after me. Strongly recommend them."
"Quick and easy process. Would definitely go through them again."
"Great service, demonstrated utmost professionalism and efficiency throughout the entire process. The team was responsive and helpful."
Things to Know
Got questions? We've got answers.
How long does it take to get approved?
Most applications receive a response within the same business day. Our streamlined process means you could be behind the wheel faster than you think.
What if I have bad credit?
We assess every application individually. While credit history is a factor, it's not the only thing we look at. We consider your current financial situation, income stability, and ability to make repayments. Get in touch. You might be surprised.
How much can I borrow?
Loan amounts typically range from $1,000 to $80,000 depending on your circumstances, the vehicle, and your ability to repay. Use our calculator above to estimate your repayments.
Can I get finance for a private sale?
Absolutely. Whether you're buying from a dealer, a private seller, or through an online marketplace, we can help finance your purchase.
Are there any hidden fees?
No. We believe in complete transparency. All fees are disclosed upfront before you sign anything. Our rates start from 9.95% p.a. and you can view our full fee schedule on our website.
Do I need a deposit?
Not necessarily. While a deposit can help reduce your repayments and overall interest, it's not always required. We'll discuss the best options for your situation.
Can I refinance my existing car loan?
Yes! If you're paying too much on your current car loan, we may be able to offer you a better rate. Apply online and we'll take a look.
What documents do I need?
Typically, you'll need proof of identity (NZ driver's licence or passport), proof of income (recent payslips or bank statements), and details about the vehicle you want to finance.
Ready to Get on the Road?
Apply online in 5 minutes. No obligation, no credit score impact.
Same-day approvals available. Free to apply.