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Insights, guides, and updates

May 25, 2026

Car Finance Myths Debunked: What You Really Need to Know

Uncover the truth behind common car finance myths. From rates to credit impact, we break down what matters.

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  1. SBS Bank Personal Loan

    Personal
    APR

    11.5–15.5%

    Amount

    NZ$1k–NZ$30k

    Term

    6–60mo

    • NZ citizen or permanent resident
    • Age 18+
    • Regular income
    1-3 business days
    Check rates →
  2. Instant Finance Personal Loan

    Personal
    APR

    9.95–29.95%

    Amount

    NZ$500–NZ$50k

    Term

    3–84mo

    No specific requirements listed

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  3. Kiwibank Personal Loan

    Personal
    APR

    12.99–18.99%

    Amount

    NZ$2k–NZ$30k

    Term

    12–60mo

    No specific requirements listed

    Check rates →
  4. The Co-operative Bank Personal Loan

    Personal
    APR

    9.95–17.75%

    Amount

    NZ$1k–NZ$50k

    Term

    6–60mo

    No specific requirements listed

    Check rates →
  5. ASB Personal Loan

    Personal
    APR

    12.9–19.95%

    Amount

    NZ$2k–NZ$50k

    Term

    6–84mo

    No specific requirements listed

    Check rates →
  6. BNZ Personal Loan

    Personal
    APR

    13.9–19.9%

    Amount

    NZ$2k–NZ$50k

    Term

    6–60mo

    No specific requirements listed

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