Here are some reasons why our customers trust us to help them get moving.

We've been around for over 85 years.

100% finance available.

Great rates from 11.20% p.a. to 13.70% p.a

NZ's largest car financier

Flexible loan terms from 1 to 5 years

Manage your loan online with myUDC

Car Loan Repayment Calculator


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Or call us on 0800 322 888

This information is provided for illustration purposes only and the results are based on the accuracy of information provided. Any calculations made by this calculator are intended to be used as a guide only. It does not constitute an offer of finance from UDC. As this is only a guide, it is suggested that you contact a UDC Representative on 0800 322 888 to obtain a more accurate quote. Your application is subject to UDC's credit approval process and lending criteria. Additional fees and charges may apply. UDC will not store the information provided in this calculator. UDC does not accept any responsibility for any loss, costs, or liability directly or indirectly incurred by persons who rely on any amount calculated by this calculator.



Three easy steps to apply for a car loan.

1. Complete your application online in under 5 minutes.
2. We’ll process your application and do any necessary checks. The team will be in touch within 24 hours with a decision.
3. Complete your loan documents online and we’ll organise the rest to get you behind the wheel.



If you have any questions these frequently asked questions may be able to help?

Can anyone apply for a car or vehicle loan?

Yes, anyone who is a New Zealand citizen or has a New Zealand resident visa can apply for a UDC Car Loan. You also must be at least 18 years old when applying. All loans will be subject to both our lending criteria and responsible lending inquiries being made.

Do I need to have a deposit before I apply?

Not always, UDC can consider financing up to 100% of the vehicle amount if required. All loans will be subject to both our lending criteria and responsible lending inquiries being made.

Can I get a loan approved while still looking for the car I want?

Yes. You can apply for a conditional approval to know how much you can borrow before you go shopping for a car. You can apply for the amount you think you need, if approved, you can use your conditional approval at any registered vehicle dealer, or we can pay for a private purchase on your behalf. A conditional approval is valid for 30 days for consumer loans and 90 days for business loans.

How much can I borrow?

UDC's minimum loan amount is $10,000. You can use our online calculator to estimate what repayments will be and to ensure that they are affordable for you.

Can I use the loan to buy a car or vehicle privately?

Yes, and we can finance vehicles purchased through auctions such as Trade Me.

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Are you an existing customer?

Existing customers can quickly and easily complete an application through myUDC.