FORGET BANKS, DEALER-FINANCE, OR OTHER STONE-AGE FINANCE OPTIONS:
Whether you're looking for $5k or $150k, we’ll get you the financing you need to secure your dream car - backed by an industry-leading 99% approval guarantee!*
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
100% NZ Owned & Operated
50+ Years Car Finance Industry Experience
Digital CashCard
Zero Credit Score Risk
Personalised Car Finder
10 Minute Auto-Approval
Buying a safe, great-value car shouldn't be difficult. But with dozens of confusing loan options, endless car salesmen ready to offload you a lemon, and a slow bank lending system, it's easy to feel overwhelmed by the process.
But you don't have to settle for a car your family has outgrown, or finance options that don't make you feel financially secure. At iloan, we help NZ families secure up to $150k in vehicle finance with a simple, proven "60-second approval process". We’ll even go the extra mile - linking you to a car-finding service to find a safe, reliable and excellent value car on your behalf (at no extra cost) so you don't have to waste weeks researching.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
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Pre-approved in 60 seconds or less |
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Zero credit inquiries during pre-approval |
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Know exactly how much you can borrow before you start shopping |
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A loan offered by a lender in our panel |
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Negotiate like a cash buyer with your Digital CashCard |
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Personal Car Finder tracks down safe, vetted vehicles in 1-2 days |
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50+ years of expertise guiding you every step |
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Transparent terms and no tricks with a Business Manager working for you |
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3-5 days waiting for approval (or longer) |
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Multiple applications hurt your credit score |
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No idea if you'll be approved until after you apply |
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Generic loans that benefit the lender, not you |
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Left with generic dealer finance |
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Spend weeks searching for the right car on your own |
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Stressful, confusing |
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Offered loans that suit the lenders |
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Full-time employed earning
$1000 per week
Marina
Vehicle Finance
Approved By iloan
Sole trader no proof of income
required.
Rodney
Vehicle Finance
Approved By iloan
Full-time Truck Driver earning
$1250 per week.
Richard
Vehicle Finance
Approved By iloan
Business owner, no proof of income
required.
George
Vehicle Finance
Approved By iloan
Full-time employed earning
$900 per week.
Robert
Vehicle Finance
Approved By iloan
Here's the problem most Kiwis face when they need car finance: banks move at a snail's pace. You fill out endless paperwork, wait days for a response, and if they reject you? Those multiple inquiries just dropped your credit score by 50-150 points. Apply to two or three lenders, hoping one sticks, and your score tanks so badly that getting approved anywhere becomes nearly impossible. With iloan you only deal with one person doing all the running around for you.
Then there's the dealership route. They promise 'instant approval' but really, they're taking control of the sale process, making sure it benefits them. And the car? Whatever they have on the lot and want to offload that weekend.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
"Thank you iloan for making it possible for me and my family to get my application approved within minutes. Thank you so much for your help. We appreciate it and may god bless you."
Gerry M
Full-Time Retail Manager
iloan built the 99% Auto-Approval Engine to provide better vehicle financing for NZ families. Our system instantly confirms if you’ll be able to get a loan based on your credit profile, financial situation, and vehicle type. All of this happens in 60 Seconds, and not a single inquiry hits your credit file during the process. Your score stays protected. And you walk away knowing exactly how much you can borrow before you even start shopping.
Once you're approved by a lender and complete the paperwork, we load your loan amount onto a Digital CashCard that lives right in your phone's wallet. Now you're not just another buyer hoping a dealer will work with you. You're like a cash buyer. Sellers take you seriously. You negotiate from a position of strength. And because you've already got the finance sorted, you're not pressured into dealership loans with inflated rates. You choose the car you want, at the price you deserve, with repayments that actually fit your family's budget. We’ll even help you find your dream car - for free.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Eru
ToeToe
I would like to say thank you to iLoan for helping me get me through the process of purchasing 4x4 Ford Ranger 2020. Much appreciated
Raymond
Foster
To anyone looking for finance, I dealt with someone named Jesse from iLoan and was overly impressed with the speed and hassle-free experience I received. I highly recommend them to others that are looking for finance. I got a great interest rate and find my repayments very affordable, and I really appreciate it. Thank you very much.
Gina
Just want to send our appreciation and gratitude for assisting is. Thank you iloan you have made this process extremely easy.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
iloan is 100% New Zealand owned and operated. We were founded by three friends who spent a combined 50+ years working in the automotive and finance industries and saw the same problem over and over: hardworking Kiwi families getting stuck with confusing loans, dealer finance (some only have access to one lender), and cars that didn't meet their needs. We built iloan to change that.
Since day one, we've helped thousands of Kiwis secure better cars for less by simplifying the loan application process, protecting their credit scores, and guiding them through every step of the process. We're not here to push generic loans or to chase the highest commissions. We're here to make sure New Zealand families get deals on vehicle finance without wasting weeks chasing lenders.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
“Thanks iloan, you and the carfinder have been amazing to work with. Best customer service I have ever experienced. I will definitely be back and refer anyone I know looking for a new vehicle....”
Joanne R
Independent Sole Trader
99% Approval Guarantee We're so confident in our system that 99% of customers who meet our criteria get approved (and if you don't, we will offer to guarantee your loan, subject to lender approval and other conditions).
60 Second Pre-Approval Know exactly how much you can borrow before you start shopping, with initial approval processed in less time than it takes to make and drink your morning coffee
Zero Credit Score Risk Get pre-approved without a single inquiry touching your credit file, so your score stays protected no matter what
Digital CashCard Shop like a cash buyer with proof of funds loaded directly into your phone's wallet, giving you negotiating power at any dealership or private sale
Personal Car Finder Service A dedicated car finder specialist tracks down safe, reliable vehicles that meet lender criteria and your family's needs in just 1-2 days (completely free)
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Cash buyers get the best deals. Always. Sellers know cash means no financing delays, no loan approvals falling through, and no complications. They're motivated to negotiate because the sale is guaranteed. iloan's Digital CashCard gives you that same power.
Once you're pre-approved, we load your loan amount directly onto a digital card that sits in your phone's Apple or Google wallet. When you walk onto a lot or meet a private seller, you show them proof of funds and negotiate like a cash buyer. It's the same confidence wealthy buyers have always had, now available through iloan to working families who deserve it.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Once you're approved through iloan, you get matched with a dedicated car-finding expert who knows exactly what to look for based on your family's needs, safety priorities, and budget. They track down vehicles that meet lender criteria, pass safety standards, and offer genuine value. No lemons. No overpriced duds. No wasted weekends.
Within 1-2 days, you'll have a shortlist of vetted options that tick every box, so you can move forward with total confidence. It's like having an adviser and personal shopper working for you all at once. And it's completely free.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
I live remotely and you made the whole process simple and easy. All I had to do walk outside my front door to take delivery.
Sandra
Verified Review
It was an absolute dream working with you guys!
Robert
Verified Review
You guys saved me weeks of car hunting and heaps of frustration.
Michael Mingerulli
Verified Review
I live remotely and you made the whole process simple and easy. All I had to do walk outside my front door to take delivery.
Sandra
Verified Review
It was an absolute dream working with you guys!
Robert
Verified Review
You guys saved me weeks of car hunting and heaps of frustration.
Michael Mingerulli
Verified Review
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Answer a few quick questions. Our system instantly shows exactly how much you can borrow - without touching your credit score.
Apply in 60 seconds:
quick, credit-safe smart-match.
Get matched
right lender and car, tailored to you.
Your loan amount gets loaded onto a Digital CashCard. Meanwhile, your Personal Car Finder expert tracks down safe, vetted vehicles. Within 1-2 days, you'll have options ready.
Walk in with proof of funds on your phone. Sellers take you seriously. No pressure, no delays, no dealer loans. Choose your car and drive away.
Drive away
stress-free approval with expert guidance.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
Your application through iloan is backed by an industry-leading, 99% approval guarantee.
We're so confident we'll secure the right loan for your family that, if you can’t get a loan, we'll act as guarantor of the loan (subject to lender approval).
So, either you get approved and drive away in your dream car, or we provide a guarantee, and you buy it anyway. That’s how confident we are in our unique process and 50+ years of experience.
Subject to lender application and checks. Approval guarantee subject to conditions. For full information about our services, and our terms and conditions, click here.
OFFER FOR THE FIRST 6 KIWI’s WITH GOOD CREDIT SCORES:
Here’s just a fraction of what you’ll discover in your FREE ‘99% Auto-Approval Engine’ Check:
How YOU can get up to $150K auto-approved in 60 Seconds without damaging your credit score
Why Kiwis are upgrading faster than ever - and how to secure your dream car before prices climb
The secret behind shopping like a Cash Buyer using your Digital CashCard (and why sellers treat you differently)
How our CarFinder experts locate the safest, best-value vehicles in as little as 1–2 days
Disclaimer: *Subject to lender application and checks. Approval guarantee subject to conditions. For full terms and conditions click here.
