One online application
Start once and give the Udrive team the context needed to review lender options that may fit.
Online vehicle finance across New Zealand
Vehicle finance for the way Kiwis move.
Compare finance options for cars, utes, vans, motorbikes, boats, caravans, and motorhomes. Start online in minutes; finance remains subject to lender criteria and responsible lending checks.
Multiple vehicle types
Dealer or private sale
Lender checks explained upfront
Finance and protection partners
Vehicle loans NZ
Finance options for more than just cars.
Udrive helps customers compare lender options across common vehicle and leisure asset types, with the same online-first application process.
Cars, utes and vans
Finance options for everyday vehicles, family cars, work utes, and vans bought from dealers or private sellers.
Motorbikes
Compare finance options for road bikes, commuter bikes, and weekend rides across New Zealand.
Boats and jet skis
Explore lender options for marine purchases, subject to the asset, your application, and lender criteria.
Caravans and motorhomes
Finance support for touring, camping, and holiday vehicles with a process that starts online.
Broker support
Compare options across different vehicle types.
Why Udrive
Built for people comparing their options online.
Udrive helps you understand what may be possible before you sign. The process starts with your goals, the asset type, and the repayment range that feels realistic.
Udrive does not lend money directly. Any loan is provided by a lender and remains subject to their approval process, checks, fees, terms, and final loan documents.
Multiple lender options
Udrive is a broker, not a lender, so the process is built around comparing options rather than one fixed offer.
Clear next steps
If a lender can progress the application, we explain the documents, checks, and terms still required.
How vehicle finance works
One process for the
vehicle you want.
The asset type can change the checks, but the online application flow stays simple.
- 013 min
Tell us what you want to finance
Choose the asset type, amount, and preferred term. You can apply before or after finding the exact vehicle.
Finance remains subject to lender criteria and checks. - 02Review
We review the application
The team checks the information provided and looks for lender options that may suit the vehicle and your situation.
Finance remains subject to lender criteria and checks. - 03Checks
Lender checks are completed
Any approval depends on affordability, suitability, credit checks, asset checks, and lender criteria.
Finance remains subject to lender criteria and checks. - 04Confirm
Documents are confirmed
Before you sign, the lender provides the final loan documents, costs, repayments, rights, and obligations.
Finance remains subject to lender criteria and checks.
Calculate your
borrowing power.
Slide the bars below to estimate your weekly repayments. The result is obligation-free and subject to lender rates, fees, and criteria.
Adjust your details
$35,000
$5,000$100,000
4 Years
1 Year7 Years
Estimated Repayment
$212
per week over 4 years
Fortnightly
$424
Monthly
$921
Start ApplicationOr call 0800 002 602
Calculations are estimates only, assuming a rate of 11.95% p.a. Subject to individual lending criteria.
What you may need
The basics are similar across vehicle types.
You can enquire before every detail is final, but accurate information helps lenders assess the application faster once the process moves ahead.
Typical checklist
- NZ driver licence or passport
- Proof of address
- Income or bank statement information
- Vehicle or asset details if already chosen
- Preferred deposit, term, and repayment budget
Keep it clear
The right documents depend on the lender and the vehicle being financed.
Vehicle finance FAQs
Questions before you apply.
If you can't find what you're looking for, give our friendly team a call.
Udrive can help customers explore finance options for cars, utes, vans, motorbikes, boats, jet skis, caravans, and motorhomes. Final lender acceptance depends on the asset, your application, and lender criteria.
Yes. You can start with an estimated amount, vehicle type, and preferred term. Final finance still depends on the specific asset, affordability, suitability, and lender checks.
No. Udrive is a finance broker. Any loan is provided by a lender and is subject to their assessment, terms, fees, approval, and final loan documents.
Private sale purchases can be considered for some vehicle types. If a lender can progress the application, Udrive will explain the payment, ownership, and document steps.
Want to estimate repayments first?
Use the calculator as a guide. Estimates exclude lender fees and are not an offer of finance.
Free 60-second quiz
What's your Car Buying Readiness Score?
Answer 8 quick questions for a personalised score and a clear checklist of what to sort before you buy. No obligation, and it takes about a minute.
Ready to get
behind the wheel?
Start online in minutes. We'll review your details, explain the lender checks, and come back with clear next steps.
No obligationFree serviceSame-day assessment may be available