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 September 6, 2021]


What makes MARAC stand out is the genuine personal service that we provide to each and every customer.

We want to know your financial goals and we will work with you to help you achieve them. We will take the time to understand your needs and to produce a solution that is exactly right for you.

We have the best people on our finance team

We have the knowledge, experience and passion to deliver even better results. Our service is based on professionalism, communication and integrity. We are committed to achieving the highest quality with every long or short-term loan financial solution that we provide.

We are part of Heartland Bank Limited and adhere to its established finance and lending practices while offering a unique specialised service.

MARAC Services

The car finance of MARAC comes are highly competitive interest rates and offers flexible repayment terms.

We are proud of the fast approval that we offer. It is further speeded up by the simple online application which customers from all over New Zealand can take advantage of. Our customer service is recognized for personal understanding and attention to detail.

We are able to finance all types of car deals

You can obtain personal loans through any one of the motor vehicle dealers working with our company. We offer pre-approval to help you buy a car with a fixed budget in mind and to negotiate the most favorable purchase deal. Once you have established a good credit record with us, we will be able to provide even more loan benefits including payment breaks, extended-term and loan top-ups.

MARAC Car loan

  • Loan Type Car finance
  • Interest Rate 8.95 – 15.95% 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

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

There comes a point in one’s life when you need to purchase either a new vehicle or simply add another vehicle to your collection.

Coming up with the amount needed for this purchase is not something we all have put away for a rainy day.

Get pre-approved quickly

Getting the funds can be extremely difficult, and going to major banking firms can be a sure hit and miss at the best of times. This too adds to the woes of affording a vehicle. But now, MARAC in New Zealand has the solution for all consumers. Fit the criteria needed for obtaining the car loan, and within 24 hours, get pre-approved of your vehicle loan.

The loan requirements

Having some form of security towards your car loan would always be a sure thing when needing finance, however, should you be 18 years or older. Have a valid driver’s license and reside in New Zealand. And have a monthly wage going into your bank account. You should have no problems filling the loan application criteria, and purchasing your vehicle within the same week.

MARAC offers adaptable terms, unbeatable rates and quick online loan application times – both direct to you or to the dealership where you may be purchasing your vehicle from.

At MARAC we make it simple for our clients

From the online application right through to paying your installments. We create a streamlined and simple process to make life less complicated for you. Apply online or contact one of our experienced and friendly staff members, we will ensure your application is seen to within the hour, and get an answer to you by the next working day.

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