MTF Finance Car Loan
MTF Finance offers car loans in NZ with rates starting from 8.95% through dealer and broker networks, catering to a variety of borrowing needs.
Last checked on June 11, 2026. We may earn a commission when you click through.
MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.
MTF Finance Car Loan
Updated 4 days agoAt a Glance
Representative APR
8.95–19.95%
Loan Amount
$2,000–$100,000
Term
12–84 mo
Decision
Same day decision
Eligibility Requirements
About this loan
MTF Finance offers car loans in NZ with rates starting from 8.95% through dealer and broker networks, catering to a variety of borrowing needs.
Our Verdict
MTF Finance provides competitive car loan options for those looking to finance a vehicle, with flexible terms and quick approvals.
Best For
This loan is ideal for NZ residents aged 18 and over who have a regular income and need quick access to vehicle financing.
Watch Out
Interest rates can reach up to 19.95%, so borrowers should ensure they can manage repayments over the loan term.
What Customers Say
Customer reviews highlight efficient service and quick approval times, though some express concern over interest rates.
Expert Analysis
With rates starting at 8.95%, MTF Finance stands out as a popular choice among non-bank vehicle lenders in New Zealand. The range of borrowing amounts from $2,000 to $100,000 allows flexibility for various vehicle types and budgets.
Approval decisions are made on the same day, which is beneficial for those needing urgent financing. However, the maximum APR of 19.95% could be steep for some borrowers, especially those with less-than-perfect credit. This means potential customers should assess their financial situation carefully.
Unlike traditional banks, MTF Finance is focused solely on vehicle loans, which may provide a more streamlined experience. It's crucial for borrowers to fully understand the terms, including repayment schedules and any additional fees that may apply. Before committing, explore the official site for detailed terms and conditions (https://www.mtf.co.nz/vehicle-finance/).
You'll be redirected to mtf.co.nz
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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