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.
Real Google reviews
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!”
A
Aaliah JamesGoogle Review
“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!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“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.”
A
Aston OliveGoogle Review
“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.”
J
Jorey MesueloGoogle Review
“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.”
M
Marina HemaraGoogle Review
“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.”
T
Treena GuillardGoogle Review
“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!”
A
Aaliah JamesGoogle Review
“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!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“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.”
A
Aston OliveGoogle Review
“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.”
J
Jorey MesueloGoogle Review
“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!”
A
Aaliah JamesGoogle Review
“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!”
J
Jane PierardGoogle Review
“Fantastic service. The finance package Linda put together was awesome and the process was painless and very easy. Definitely recommend to anyone.”
S
Shane GibsonGoogle Review
“Linda is absolutely the best financial person I've ever dealt with. I appreciate all her help — cheers Udrive.”
H
Hemi TakuruaGoogle Review
“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.”
A
Aston OliveGoogle Review
“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.”
J
Jorey MesueloGoogle Review
“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.”
M
Marina HemaraGoogle Review
“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.”
T
Treena GuillardGoogle Review
“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.”
A
Ammu Ambili RajGoogle Review
“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!”
S
Sasha RichardsonGoogle Review
“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.”
D
Dorothy MannGoogle Review
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
P
Paul TeaonuiGoogle Review
“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.”
M
Marina HemaraGoogle Review
“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.”
T
Treena GuillardGoogle Review
“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.”
A
Ammu Ambili RajGoogle Review
“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!”
S
Sasha RichardsonGoogle Review
“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.”
D
Dorothy MannGoogle Review
“Jaime was awesome — finance done, drove out the gate, made the paperwork easy. Thank you.”
P
Paul TeaonuiGoogle Review
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