Rating based on 11 reviews


  • Car finance up to $20,000
  • Low-interest starting from 8.95%
  • Repayment up to 5 years

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MARAC homepage
Author MARAC. Screenshot of MARAC website.
[Accessed March 6, 2023]


Keep moving in style with Marac.

Applying for a car loan nz with Marac is fast, easy, and straightforward and their product is designed to suit your needs and lifestyle. They are a local company operated by local people with roots stretching back to 1875. With this kind of legacy, understanding, and experience they know what their customers need and have been assisting thousands of Kiwis with car finance.

Everyone’s financial situation is different and they have the solution no matter the situation. Helping Kiwi businesses grow, helping you live a lifestyle on your terms, or helping your family purchase a vehicle that gets them mobile, whatever your journey requires they will be proud to be a part of it.

Marac makes it easy to get a loan

Planning on buying a new car? Get a loan today and drive away in no time – quickly and easily apply online. You can apply at any time from anywhere and get a decision in minutes. Putting customers first is what they do best and they are passionate about getting you what you want while giving you genuine personal service.

Marac has a variety of dealers they work with. If you’re buying from a dealer that is authorized by Marac, you can leave it to them as they can take care of arranging finance for you on behalf of Marac.

MARAC Services

Get a car loan with a competitive interest rate between 7.95% and 14.95% p.a and repay it over 1 to 5 years.

You can apply and get an online loan nz if you are of legal age and it will be a requirement to have full insurance in place for the vehicle when you purchase it as the vehicle will also be used as security against the loan – you are buying an asset after all. 

They are ready when you are and you can receive a decision shortly after applying. Getting that dream car you always wanted is not so far in the future – it’s simply a few clicks away.

Have peace of mind and drive in style

You can protect and safeguard your new wheels against any perils life can throw at you. They’ve partnered with Autosure to give you the insurance options you need to protect your new ride and rest assured that your loan will be paid off when the worst happens. They cover anything from accidents, fire, theft, natural disasters, and more.

Leasing – have a new ride all the time

A lease will allow you to have access to a new vehicle for an agreed term. You will pay them a monthly rental fee and at the end of the term, you will return the vehicle to the dealer you got it from originally and lease a new car again.

MARAC – Car loan

  • Loan Type Car finance
  • Interest Rate 8.9515.95% p/a
  • Loan Amount up to $20,000
  • Repayment 1 year to 5 years

Benefits of MARAC

  • Flexible repayment terms
  • Get same day approval
  • Apply with a simple online application

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

MARAC is turning heads with their car loans in New Zealand.

Get a loan in just a few steps

Step 1: Simply fill in their online form to apply. You will need to provide them with some basic personal information and details of your income and expenses.

Step 2: They will then be in contact with you within two hours of receiving your application, but this might be the next working day depending on when your application is received.

Step 3: The cash is transferred and you can drive away!

Get pre-approved before finding your car

If you want to know how much you can borrow before you go car hunting, this is a great idea. Simply apply for a online car loan as per normal and use the approval confirmation with a Marac authorized motor vehicle dealer. You can also buy your car privately; they will then pay the private seller on your behalf.

If you need to change the amount of your loan after it is approved you can just give them a call for assistance, this can be confirmed over the phone and you won’t have to complete another loan application.

The advantages of applying for a car loan with Marac 

  • Easy, straightforward loans.
  • Competitive rates.
  • Repayments that will suit your budget.
  • Online application process – anytime from anywhere.
  • You can get a pre-approval before you look for your desired car.
  • Staff that cares about realizing your dreams.
  • Access the loan, the car, and the insurance all in one place.
  • Get the results you need in less time.

Customer Reviews & Testimonials

I only needed about two-thirds of the amount of my car’s cost, and this car loan came in handy. With flexible repayments and the ability to apply online, I can definitely recommend MARAC.

Libby J.
— Tauranga —

One great thing about MARAC is that their online application process is so quick and easy to fill in.

Rosie B.
— Hastings —

I love the flexible repayment options, as well as the ability to apply for the loan online, instead of having to go to the bank.

Nannie C.
— Ashburton —

MARAC Contact

Physical Address

  • Heartland House, 35 Teed Street Newmarket Auckland Region 1023 New Zealand
  • Get Directions

Postal Address

  • PO Box 9919, Newmarket, Auckland, 1149, New Zealand

Opening Hours

  • not available