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Finance & Loans

Finance that funds your future.

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

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

Browse all loan types

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

Know your numbers before you apply.

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

Apply now, it's free

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.

Browse them all

Popular guides and articles

All Guides & Resources
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.

About Us

The company

About Armstrong's Finance
Who we are & what we do
Our People
The people behind your finance.
Our Partners
Our lender panel & partners
Contact
Get in touch with our team
Careers
Join the Armstrong's Finance team
FAQs
Yours questions answered
Responsible Lending
Our commitments to you

Apply for your loan now

Six quick steps, most applicants complete this in under 4 minutes.

Complete the application now to speed up the overall process, most applicants get a decision the same day.

Don’t have time right now? Get started with our Quick Apply instead, you can complete the rest of your information later, or we can call to finish it over the phone.

Quick apply

What are you looking for?

Loan type
What you need the loan for.
$
How much you'd like to borrow — between $5,000 and $500,000.
Loan term (years)
How long you'd like to repay the loan over.
Loan payment frequency
How often you'd like to make your loan repayments.

Personal details

We need some basic information to verify your identity.

You must be at least 18 to apply.
A mobile number we can reach you on.

NZ Driver licence

Usually 8 characters — the number on the front of your licence.
The 3-digit version number printed on your licence.
Whether your licence is full, restricted or learner.

About you

Your current residency status in New Zealand.
Only required if you are on a work or student visa.

Declaration & Consent

By submitting this application you consent to Armstrong’s Finance and its lending partners collecting, holding and using your personal information for the purpose of assessing your finance application under the Privacy Act 2020. A credit check may be performed as part of this assessment.

The loan amount you request is not guaranteed. Any loan offered will be subject to responsible lending checks, eligibility requirements, and final approval. The approved amount may be lower than the amount requested.

All Work and Income benefits are accepted as a form of income, with the exception of Jobseeker Support.