Finance your next vehicle
stress-free.
We compare options from selected New Zealand finance providers. Start online in minutes; approval is subject to lender criteria and responsible lending checks.
Finance and protection partners
Our Services
We finance
what moves you.
Cars, bikes, boats, caravans — if it has wheels (or a hull), we can probably sort the finance for it with transparent, low rates.
Car Finance
New, used, or private sale. Dealer or TradeMe — we cover it all.
Motorbikes
Road bikes, dirt bikes, and everything in between.
Boats & Marine
Get out on the water with flexible marine finance.
Caravans & RVs
Finance your next adventure and hit the open road in style.
Personal Loans
Need cash for something else? We offer unsecured loans too.
Four steps to the
driver's seat.
From first click to keys in hand — here's what to expect when you apply with Udrive.
- 013 min
Apply online
Fill out our quick form in under three minutes. No fine print, no pushy sales — just the info we need to start looking.
Initial enquiry first — formal lender checks come later. - 02Same day
We shop your loan
Our team puts your application in front of selected NZ finance providers and helps compare the options you may qualify for.
We work for you — not the dealer, not the bank. - 03At your pace
Pick your ride
Once a lender gives an indicative green light, shop with confidence. Dealer, TradeMe, private seller — wherever the right vehicle is, we'll help with the finance process.
Buy from anywhere. No dealer lock-in. - 04Often same day
Drive away
Sign digitally, we handle the paperwork with the lender, and the funds land where they need to. Hit the road.
Settlement timing depends on lender approval and documents.
Ready when you are
Three minutes to start the journey.
Calculate your
borrowing power.
Slide the bars below to estimate your weekly repayments. The result is obligation-free and subject to lender rates, fees, and criteria.
Adjust your details
Estimated Repayment
per week over 4 years
Fortnightly
$424
Monthly
$921
Calculations are estimates only, assuming a rate of 11.95% p.a. Subject to individual lending criteria.
What's your Car Buying Readiness Score?
Answer 8 quick questions for a personalised score and a clear checklist of what to sort before you buy. No obligation, and it takes about a minute.
For Everyone
Different credit histories,
clear finance options.
We help Kiwis with a range of credit histories understand what may be available. Lender criteria and affordability checks still apply.
Good Credit?
A solid credit history may help you access competitive rates and a faster lender response. We'll still check the option fits your budget before anything moves ahead.
- Efficient assessment process
- Access to competitive lender options
- Flexible loan terms up to 7 years
- Same-day assessment may be available
Bad Credit?
Past credit issues do not always tell the whole story. Udrive can help you explain the wider context and understand what next steps may be available. Approval is not guaranteed.
- Lenders that consider wider circumstances
- No judgement — just clear options
- Support to understand your next step
- Second chance finance options where suitable
The Udrive Difference
Why Kiwis choose Udrive
We're not a bank and we're not a dealer. We work for you — finding the best deal from the widest range of lenders.
Multiple Options Compared
Same Day Approval
Bad Credit Solutions
Negotiates Price For You
Open 7 Days
Free Service — No Fees
Got questions?
We've got answers.
If you can't find what you're looking for, give our friendly team a call.
Most applications are reviewed within one business day. In some cases same-day assessment may be available, but any approval depends on lender criteria, document verification, affordability, and responsible lending checks.
We may be able to help. Our network includes lenders who consider wider circumstances, not just a credit score. Approval is not guaranteed and depends on affordability, suitability, and lender requirements.
You'll typically need: proof of identity (driver's licence or passport), proof of income (recent payslips or bank statements), and proof of address. For self-employed applicants, we may need additional financial documents.
Udrive's broker service is generally free for customers. We may be paid by the lender if finance is arranged. Lenders may charge interest, fees, or other loan costs, and those details should be explained before you sign.
Yes, most of our finance products allow early repayment. Some lenders may charge a small early repayment fee, but many don't. We'll explain all the terms before you sign anything.
We can help finance cars, utes, vans, motorcycles, boats, caravans, and campervans. Whether you're buying from a dealer or privately, we have finance solutions to suit.
Ready to get
behind the wheel?
Start online in minutes. We'll review your details, explain the lender checks, and come back with clear next steps.