CAR LOANS
Need vehicle finance?
For a limited time only, you can drive away with finance from 9.75% p.a. – 14.75% p.a. Whether you need something bigger, or something more economical, we’re here to help. Apply now and get a decision in minutes!
What type of loan are you looking for?
Personal Loan
Ideal if you’re an individual or joint borrower looking to use your vehicle for personal use.
Business Loan
Suitable if you’re a sole trader, business, trust or partnership, using your car primarily for business operations.
Enquire nowRepay nothing until 2025
Get a new car and no repayments for 3 months*
For a limited time, apply for a new Heartland vehicle loan and enjoy no repayments for three months! To take out the offer, simply apply online, click on the 3-month deferred payment option and one of our friendly team members will get in touch.
*The 3 month deferred payment period is not interest-free. Interest will accrue on the principal amount and fees during the deferred period. Overall interest costs will be higher as a result when compared to a non-deferred loan. A fixed interest rate will apply over the selected loan term with repayments deferred for 3 months from the finance start date. The deferred payments will be spread over the remaining months of the approved term. A minimum deposit may be required. Offer applies to new and used vehicles. Loan terms from 6 months – 60 months, principal and interest loans only, and loans with balloons not applicable. Subject to Heartland Bank Limited’s responsible lending criteria, terms, conditions, and fees apply, including an establishment fee of $249 and a PPSR fee of $7.39. Offer valid until 28 February 2025. Promotion only applies to new vehicle loans.Why choose a Heartland Bank Car Loan?
What people say
Got questions?
- What are the rates, fees and terms?
- For the full fee schedule, rates and terms click here.
- Can I change my repayment amounts during the loan term?
- Yes. Give our car loans team a call on 0800 85 30 30, and we’ll see what we can do to change your loan to suit your circumstances (there may be a fee to restructure your loan).
- What is the security for my car loan?
- The security will be the car you’ve purchased, although we may ask for additional security and/or a guarantor.
- Can I change the amount of my loan after it is approved?
- Yes. If you want to increase the amount of your loan, give us a call on 0800 85 30 30. If approved, we can confirm this over the phone and you won’t need to fill in another loan application.
- Can I get a loan approved before I’ve found the car I want?
- Yes. If you would like to know how much you can borrow before you go shopping for a car, you can apply for the loan as normal and, if approved, you can use the approval confirmation with any registered motor vehicle trader. If you’re purchasing from a private sale, we will pay the private seller on your behalf.
Ready to apply?
Let's get started. Answer some simple questions and we'll be in touch.
