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Rates from 6.99% p.a. to 26.99% p.a. with up to 7 years to pay. Personalised to you and your circumstances, not everyone else's.

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Verify income digitally & upload your driver's licence.

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What type of loans do you provide?

Sprint Finance offers loans for Motor Vehicle, Motorcycles or Boats.

The minimum loan is $5,000 and the maximum loan is $50,000 plus fees and any insurances.

What is the minimum income I need to earn to qualify for a loan?

$500 per week, after tax.

What are the car requirements for a loan?

Vehicles being purchased need to be 2007 or newer and have 150,000 k’s or less on the odometer.

The vehicle needs to be registered with a current WOF.

The vehicle will need to be comprehensively insured throughout the term of the loan.

What are your interest rates and fees?

The interest rate is from 6.99% p.a. to 26.99% p.a. per annum and is fixed for the term of the loan. The rate we charge depends on a couple of factors, including your credit rating.

We charge a $395 loan application fee and $7.50 per month administration fee.

Insurances and Broker Fees may also apply

What is the loan term?

Our minimum loan term is 12 months and maximum loan term is 84 months (7 years) with payments to suit and aligned with your pay day.

How old do I need to be to apply?

You need to be over 18 years or older to apply.

Do I need to be resident of New Zealand?

No, you can be on a Work Visa provided the term of the loan is within your visa dates.

Can I get a top-up part way through my loan?

You can apply for a top-after after 12 months of loan payments. Top-ups require us to rewrite the loan and are subject to application fees.

How do I make my payments?

We will debit your payments aligned with your wages. This can be weekly, fortnightly or monthly.

What are the licence and insurance requirements for a car loan?

You will need a minimum of a valid NZ Drivers Licence. The vehicle will need to be comprehensively insured throughout the term of the loan

Do you require a deposit?

No, our car loans do not require a deposit.

Where can I buy a car from?

You can purchase your car privately or from any Registered Motor Vehicle Dealership across New Zealand.

Why do you need to see my bank statements?

Bank statements are a very important part of your car loan application. Here’s a few things lenders look for:

  • A stable income – a consistent income from the same employer means you’re more likely to be able to make any future car loan repayments
  • Affordability – you’ll need to be able to afford the car loan repayments by having enough disposable income after expenses
  • Payday loans – these can be a sign of unaffordability and risk for the lender – which would likely be declined
  • Gambling transactions – if gambling transactions are ongoing or frequent, this could hurt your chances of a car loan approval
  • Other loan repayments – how you’ve managed other loan repayments will give lenders an indication of how likely you’ll be able to make repayments on your new loan

Rates from 6.99% p.a.
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All licence types, even learners.

The type of licence you hold is not important as long as you’re fully insured to drive the vehicle. Full, Restricted, Learners, and Condition 1 are all accepted.

All credit types.

Our technology matches your profile with over 10 different lenders, so you can drive away knowing you have the best interest rate for your circumstances .

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Approval Checklist

  • I am a NZ Citizen, or hold a NZ Resident or NZ Work Visa
  • I am employed full time, part time or I am self-employed
  • I earn more than $500 per week
  • I need a loan between $5,000 and $50,000
  • I am 18 years or older
  • I am not currently bankrupt
  • I have a current NZ Driver's Licence
  • I am not suffering financial hardship

Document Checklist

To ensure a smooth and easy process you will need to have these documents ready. They can easily be uploaded through your customer portal after you apply.

  • Bank Statements - or verify income digitally
  • Front and Back of your Driver's Licence
  • Proof of Address
  • Details for any vehicle you wish to purchase

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