Rating based on 20 reviews


  • Car loans up to $50,000
  • Low-interest starting from 12.99%
  • Repayment up to 7 years

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Kiwibank homepage
Author Kiwibank. Screenshot of Kiwibank website.
[Accessed April 17, 2018]

Kiwibank - A wide range of loan products

Kiwi Bank is not your average bank we offer a wide range of loan products to suit your needs and your wallet. We specialize in car loans that are perfect for when you need some cash in a hurry.

If you need a vehicle but you are on a tight budget then we will tailor make a solution to suit your unique circumstances.

Apply for conditional approval so you know how much you have to spend and soon you’ll be driving the car of your dreams.

Different loan options available

If you don’t have any security we will loan you up to $2,000 towards your vehicle at personal loan rates.

If you have a vehicle to trade in or a deposit you can use as collateral we will lend you up to $6,000 at car loan interest rates.

Shop like you have the cash in your pocket

Apply for a loan and get conditionally approved so you can shop just like a cash buyer. By knowing how much you have to spend you will be able to negotiate a better deal.

As soon as you have found your car give us a call and we will pay for it.

We aim at getting you behind the wheel as fast as possible so we have friendly consultants standing by to answer any questions that might arise. We will get you the cash for your car by the very next day.

Kiwibank Services

No matter if you need 6 months or 7 years to repay your long or short-term loan, we the terms that will suit your wallet. Our terms are so flexible that anyone can afford a new vehicle.

To ensure repaying your loan has been just as hassle free we will set up a direct debit on your account that aligns with your payday.

Know exactly how much you need to pay

The fees and interest rates are fixed so you know exactly how much you will need to pay each month. If you are in the portion to make extra payments then you are encouraged to do so to pay off your car loan so quickly as possible. The quicker you pay off the loan the less it will end up costing.

Get conditionally approved to increase your chances

Applications for conditional improvement so that you are able to buy your vehicle from anywhere privately, online at an auction or at a car yard or dealership. By getting pre-approved, you will know exactly how much you have to spend and can negotiate cash deal prices. As soon as you find your car give us a call so that we can get you driving it as soon as possible.

Car loan interest rates

To take advantage of car loan interest rates you need to borrow at least $6,000. You can add cash to your loan so you can drive and spend in style.

Kiwibank – Car loan

  • Loan Type Car loans
  • Interest Rate 12.9918.95% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 7 years

Benefits of Kiwibank

  • Fixed interest rate
  • Fast approval
  • Quick funding

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Kiwibank - quick online loans

The vehicle you purchase must be comprehensively insured thought out the entire duration of the loan.

  • The vehicle must have an out to date warrant of fitness and registration certificate.
  • The car you are purchasing needs to be less than 20 years old at the start of the vehicle loan contract.

If you need help finding your vehicle we will be more than happy to point you in the right direction.

Kiwi Bank is a different way to experience banking

We have taken everything you hate about traditional banking and have removed it to give you a better banking experience. Don't you hate having to visit the branch and stand in long queues? Well, Kiwi Bank and all its services can be accessed online via our interactive website.

You can apply for an account online and monitor your account from the comfort of your cell phone. To apply for your account it will only take a few minutes and you will have full access to internet banking.

Activate your account by verifying your address and your identification and soon you will be able to make deposits and withdrawals on your account

Anyone can join Kiwi Bank

If you are over the age of 13 and you are a citizen of New Zealand you will be able to apply for an account. We offer accounts for all ages and if your child is under the age of 13 you can apply for a children’s account for them.

Apply online or over the phone or if you prefer a personal touch visit one of our branches to speak to a friendly consultant in person. If you would like to set up a joint account, we offer that option.

We offer business banking solutions that are perfect for your company.

Kiwi Bank Credit Cards

Once you join Kiwi Bank you may qualify for a credit card with us. Our credit cards offer a host of different benefits including earning Air New Zealand airports and taking advantage of our very low-interest rates.

Earn air points on everyday spending to earn free flights

Take advantage of special offers that Air New Zealand offers And a range of other benefits that they offer.

Customer Reviews & Testimonials

We have been with them for years and they understand that companies need to take loans for cars and such to keep the company sustained for when the finances are not doing too well and they have a...

John B
— Auckland —

My friend told me about them when I was looking for funding for our new company vehicle and they were able to help me, the service excellent and I would recommend them.

Gerry R
— Auckland —

The service is great and that is why we choose to use them.

Joe S
— Wellington —

Kiwibank Contact

Physical Address

Postal Address

  • Private Bag 39888 Wellington Mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 07:00 – 21:00
  • Tuesday 07:00 – 21:00
  • Wednesday 07:00 – 21:00
  • Thursday 07:00 – 21:00
  • Friday 07:00 – 21:00
  • Saturday 08:00 – 18:00
  • Sunday 08:00 – 18:00