Finance your next vehicle
stress-free.
We find the best deal from over 20 top New Zealand lenders. Pre-approved in minutes, with no impact on your credit score.
Trusted by NZ's leading lenders
Our Services
We finance
what moves you.
Cars, bikes, boats, caravans — if it has wheels (or a hull), we can probably sort the finance for it with transparent, low rates.
Car Finance
New, used, or private sale. Dealer or TradeMe — we cover it all.
Motorbikes
Road bikes, dirt bikes, and everything in between.
Boats & Marine
Get out on the water with flexible marine finance.
Caravans & RVs
Finance your next adventure and hit the open road in style.
Personal Loans
Need cash for something else? We offer unsecured loans too.
Four steps to the
driver's seat.
From first click to keys in hand — here's what to expect when you apply with Udrive.
- 013 min
Apply online
Fill out our quick form in under three minutes. No fine print, no pushy sales — just the info we need to start looking.
Soft check only — zero impact on your credit score. - 02Same day
We shop your loan
Our team puts your application in front of 20+ NZ lenders and negotiates the sharpest rate you qualify for.
We work for you — not the dealer, not the bank. - 03At your pace
Pick your ride
Once you're pre-approved, shop with confidence. Dealer, TradeMe, private seller — wherever the right vehicle is, we'll finance it.
Buy from anywhere. No dealer lock-in. - 04Often same day
Drive away
Sign digitally, we handle the paperwork with the lender, and the funds land where they need to. Hit the road.
Most deals settle within 24 hours of approval.
Ready when you are
Three minutes to start the journey.
Calculate your
borrowing power.
Slide the bars below to estimate your weekly repayments instantly. Transparent rates, zero hidden fees, and completely obligation-free.
Adjust your details
Estimated Repayment
per week over 4 years
Calculations are estimates only, assuming a rate of 11.95% p.a. Subject to individual lending criteria.
For Everyone
Good credit or
not so good — we've got you.
We help all Kiwis, regardless of credit history. That's what makes us different.
Good Credit?
Great news. With a solid credit history, you'll get access to our best rates and fastest approvals. Let's get you driving today.
- Fast-track approval process
- Access to our best interest rates
- Flexible loan terms up to 7 years
- Same-day pre-approval available
Bad Credit?
Don't stress. We specialise in helping Kiwis with less than perfect credit. Our network includes lenders who look at your whole story, not just a number.
- Specialist bad credit lenders
- No judgement — just solutions
- Help rebuild your credit score
- Second chance finance options
The Udrive Difference
Why Kiwis choose Udrive
We're not a bank and we're not a dealer. We work for you — finding the best deal from the widest range of lenders.
20+ Lenders Compared
Same Day Approval
Bad Credit Solutions
Negotiates Price For You
Open 7 Days
Free Service — No Fees
Don't just take
our word for it.
Real Kiwis, real reviews. Here's what Linda, Jaime, Antonio and Tony have been up to lately.
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
“Absolutely amazing! I was looking for finance on a car and originally went through a broker — then I found Udrive. Linda worked absolute MAGIC, cutting the rate right down and reducing how many years I'd be paying it off. Sorted within hours!”
“Cannot rate Jaime at Udrive highly enough. Her professionalism and work ethic are amazing. She really understands financing and makes it her business to look after people. I've just arranged my second car finance through them. Too easy!”
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
“My experience with Antonio was above and beyond. He went out of his way to communicate with me through every step. I can't praise him enough for the exceptional service and care taken to help me get my dream car.”
“Huge thanks to Tony and the team. My experience was above and beyond — the finance process was smooth and fast. His professionalism was outstanding. Everything was handled with care.”
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
“Working with Jaime and the team was so easy. They understood what we needed and worked together to find the best finance option for us. Thank you guys.”
“Couldn't be happier with our Udrive experience. Antonio was amazing with finalising everything and went above and beyond to make sure we could drive off with our new car on the day. Absolutely recommend!”
“Linda was absolutely fantastic and extremely helpful. The whole process was very easy thanks to her. Thanks Linda — you made my first finance experience easy.”
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
“Had the pleasure of dealing with Jaime from Udrive over two days. Very professional, friendly, and extremely helpful. If you're looking for vehicle finance, Jaime will look after you. Highly recommend.”
“Absolutely blown away at how quick and easy the finance was. Antonio was amazing to deal with — very accommodating. Will definitely be going back for our next vehicle.”
“Working with Jaime and the team was so easy. They understood what we needed and worked together to find the best finance option for us. Thank you guys.”
“Couldn't be happier with our Udrive experience. Antonio was amazing with finalising everything and went above and beyond to make sure we could drive off with our new car on the day. Absolutely recommend!”
“Linda was absolutely fantastic and extremely helpful. The whole process was very easy thanks to her. Thanks Linda — you made my first finance experience easy.”
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
Got questions?
We've got answers.
If you can't find what you're looking for, give our friendly team a call.
Most applications receive a decision within 24 hours. For customers with good credit, we can often provide same-day pre-approval. The final approval depends on document verification and lender requirements.
Yes! We specialise in helping Kiwis with less than perfect credit histories. Our network includes specialist lenders who consider your current circumstances, not just your credit score.
You'll typically need: proof of identity (driver's licence or passport), proof of income (recent payslips or bank statements), and proof of address. For self-employed applicants, we may need additional financial documents.
Our service is completely free for customers. We're paid by the lenders when we successfully arrange finance, so there's no cost to you whether you're approved or not.
Yes, most of our finance products allow early repayment. Some lenders may charge a small early repayment fee, but many don't. We'll explain all the terms before you sign anything.
We can help finance cars, utes, vans, motorcycles, boats, caravans, and campervans. Whether you're buying from a dealer or privately, we have finance solutions to suit.
Ready to get
behind the wheel?
Get pre-approved in minutes with no impact to your credit score. Our friendly team is here 7 days a week.