Drive Your Dream Car Today with Interest Rates Starting from 7.95%
Choose terms that work for your budget and lifestyle.
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Quick online application
Quick turnaround time
15+ years of experience
25000+ satisfied customers
100% Online Process
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Connect With Car Finance Experts
New to New Zealand or Buying Your First Car
Building your credit history in NZ?
We work with new residents to help you understand the legal and financial requirements of car ownership.
Looking to Upgrade Your Car
Want good interest rates?
We’ll find the best interest rate for you.
Purchasing from a Private Seller
Found the perfect car on an online marketplace or through a friend?
We finance private sales nationwide.
Buying from a Dealership
Shopping at a car yard and want better rates?
We assure you you will get the best. We work with dealerships across Auckland, Wellington, and Christchurch.Why Kiwis Choose Montay Finance for Car Financing
Know Your Budget
A good rule of thumb: keep your car repayments under 10-15% of your monthly income. Use our online calculator to estimate what you can afford before you start shopping.
Get Pre-Approved First
Getting pre-approved puts you in the driver's seat. You'll know exactly how much you can spend, giving you confidence when negotiating with sellers just like a cash buyer.
Check the Car's History
If you're buying a used or second-hand car, always run a vehicle history check before buying. Use services like CarJam or the PPSR to ensure there's no money owed on the car and no hidden damage history.
Read the Fine Print
Before signing any loan agreement, read the terms carefully. Understand your interest rate, fees, repayment schedule, and any early repayment penalties.
Our car loan rates start from 7.95% to 8.95% p.a.* Your actual rate depends on factors like your credit history, loan amount, deposit, and loan term. Apply now for a personalised quote.
Montay Finance offer car loans from $5,000 to $100,000, depending on your financial situation and the vehicle’s value. Our team will work with you to determine an affordable amount based on your income and expenses.
Absolutely! Montay Finance both private sales (buying from online marketplaces, friends, or family) and dealership purchases. As long as the vehicle is registered in New Zealand, we can help.
Montay Finance aim to provide a decision within 5 business days for most applications, especially if you apply with all required documents.
To apply, you’ll need: Valid NZ driver’s licence or passport Proof of address (utility bill, bank statement, or rates notice) Last 3 months’ bank statements showing income
Montay Finance consider all applications and work with a range of credit profiles. Even if you’ve been declined elsewhere, get in touch we may still be able to help.
Our fees include an establishment fee and a PPSR (Personal Property Securities Register) fee. All fees are disclosed upfront in your loan agreement no hidden costs.
Yes! You can make extra repayments or pay off your loan early. Some loans may have an early repayment fee. We’ll make this clear in your agreement.
Repayments are set up via automatic payment or direct debit from your bank account. You can choose weekly, fortnightly, or monthly repayments to suit your pay cycle.
Life happens. If you’re facing financial hardship due to illness, job loss, or other unexpected events, contact us immediately. We’ll work with you to find a solution, such as adjusting your repayment schedule.
Yes, most lenders require comprehensive car insurance as a condition of the loan. This protects both you and the lender if the car is damaged or stolen.
Yes! We work with self-employed individuals, business owners, and farmers. You may need to provide additional documentation, like tax returns or accountant statements.
We provide car finance across New Zealand, with a focus on Auckland, Wellington, and Christchurch. Wherever you are in NZ, we’re here to help.
Yes, Montay Finance is a registered financial services provider operating under the Credit Contracts and Consumer Finance Act (CCCFA). Your protection and transparency are our priorities.
Ready to Get Behind the Wheel?
Join 2,500+ happy Kiwi drivers who trusted Montay Finance to make their car dreams a reality.
Apply now for a free, no-obligation quote. Get your personalised rate in minutes and start your journey to owning your dream car.