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Finance & Loans

Finance that funds your future.

One application, a wide panel of lenders, and real people on your side.

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FSP Registered
Quotes with no impact to your credit score
Same-day decisions available*

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Car Loans
New & used vehicles, EVs included
Motorbike Loans
Bikes & scooters
Motorhome Loans
Campervans & motorhomes
Marine Loans
Boats, yachts & watercraft
Aviation Loans
Fixed-wing, helicopter, drone, engine/component funding
Personal Loans
Weddings, travel, medical & more
Renovation Loans
Home upgrades & improvements
Business Loans
Grow & fund your business
Equipment Loans
Machinery, farm equipment and Tech
Refinancing Loans
Better rates on existing finance

Tools

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Free calculators to help you understand what you can borrow
and what you'll repay, no 
sign-up needed.

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Calculators

Repayment Calculator
See your estimated weekly, fortnightly or monthly repayments based on loan amount and term.

Guides

Make smarter finance decisions.

Practical guides, explainers and real-world advice.

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Popular guides and articles

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Browse the full resource library
First-time buyer guide
Everything you need to know
Secured vs unsecured loans
Key differences & when to use each
Bank vs broker
Which is better for you?
CCCFA explained
What the law means for borrowers

About us

Part of the Armstrong's family.

Armstrong's Finance is the lending arm of Armstrong's, one of New Zealand's largest and most trusted vehicle groups, now offering finance solutions for every stage of life.

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    • Car Loans
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    • Equipment Loans
    • Refinancing Loans
    • Repayment Calculator
    • All Guides & Resources
    • First-time buyer guide
    • Secured vs unsecured loans
    • Bank vs broker
    • CCCFA explained
    • About Armstrong's Finance
    • Our People
    • Our Partners
    • Contact
    • Careers
    • FAQs
    • Responsible Lending
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Guides & Resources

Your Finance Resources

Have a read of our guides and resources. We provide the latest finance and lending news articles.

A first-time buyer's guide to car finance in New Zealand
Guide • 22 Jun 2026
A first-time buyer's guide to car finance in New Zealand
Bank or broker: which is right for you?
Resources
Bank or broker: which is right for you?
Your Credit Score: What It Is, Why It Matters and How to Check It
Guide
Your Credit Score: What It Is, Why It Matters and How to Check It
Secured vs unsecured loans
Resources
Secured vs unsecured loans
The CCCFA Explained: What NZ Borrowers Need to Know
Resources
The CCCFA Explained: What NZ Borrowers Need to Know
Pre-approved car finance: how it works in New Zealand
Guide
Pre-approved car finance: how it works in New Zealand
Guaranteed Future Value: how it works for new car buyers in NZ
Guide
Guaranteed Future Value: how it works for new car buyers in NZ

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© 2026 Armstrong's Finance

Armstrongs Finance Limited (FSP1012153) holds a Class 2 Financial Advice Provider licence issued by the Financial Markets Authority. We act as a finance broker and do not directly provide credit. All lending is provided by third-party lenders and is subject to lender criteria and approval. Armstrongs Finance Limited is a member of Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme.

Interest rates range from 7.95% p.a. to 29.95% p.a. on loan terms of 12 months to 7 years. Establishment fees from $0 to $2,500 depending on loan type. The actual rate and fees charged will depend on your individual circumstances and lender assessment. For example: a $20,000 loan over 5 years at 12.95% p.a. results in 60 monthly repayments of approximately $455, with a total amount repayable of $27,300 (excluding establishment fee). Lending criteria and responsible lending assessment apply.