Looking for reliable vehicle finance? Heartland Car Loans combine fixed rates, flexible terms and an easy apply for car loan process for eligible Kiwi borrowers.
What you need to know about this loan
- Loan Amounts Offered: Based on Heartland Bank’s lending assessment and the applicant’s circumstances.
- Loan Terms (monthly): Flexible terms available, with fixed interest for the selected loan period.
- Payment methods: Scheduled repayments according to the approved loan agreement.
- Interest rate: Fixed from 8.95% to 13.95% p.a., depending on individual circumstances.
Pros
- Fixed interest rates: Enjoy predictable repayments throughout the approved loan term.
- Online application: Complete the application anytime from your phone, tablet or computer.
- No deposit available: Eligible borrowers may access zero deposit vehicle finance.
- Multiple loan options: Choose personal, business or Tesla vehicle finance.
- Promotional fee waiver: Establishment and PPSR fees are waived on eligible direct applications during the promotional period.
Cons
- Approval is not guaranteed: Every application is subject to Heartland Bank’s responsible lending criteria.
- Promotional fee waiver is limited: The offer only applies to eligible direct applications during the specified dates.
Why Choose Heartland Bank for your loan?
Compared with ANZ New Zealand, Heartland Car Loans focus exclusively on vehicle finance with competitive fixed rates and specialised lending experience.
Compared with ASB Bank, Heartland Bank offers dedicated vehicle loan solutions, including Tesla finance and zero deposit options for eligible borrowers.
Compared with Bank of New Zealand (BNZ), Heartland Bank provides over 70 years of experience helping Kiwis finance vehicles.
Compared with Westpac New Zealand, Heartland Bank offers a streamlined online application designed specifically for vehicle finance customers.
Compared with Kiwibank, Heartland Bank provides personal, business and Tesla vehicle loans under one specialist lending service.
How to apply for your Heartland Car Loans
Explore Heartland Car Loans today and discover fixed rates, online applications and flexible vehicle finance. Click below to review eligibility, fees and full lending details.