Rating based on 29 reviews

The Lending People


  • Car finance up to $75,000
  • Low-interest starting from 8.95%
  • Repayment up to 7 years

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The Lending People homepage

Author The Lending People. Screenshot of The Lending People website. [Accessed September 6, 2021]

About The Lending People

The Lending People are quickly becoming New Zealand’s preferred brokers, with thousands of happy customers and over $188,000,000 worth of loans approved. If you’re looking for a quick and simple way to get a loan tailored to your individual needs, look no further!

Compare car loan offers from a range of providers

Most brokers operate in the personal and short-term loan categories but, with the Lending People, you can even get the help you need to source the best vehicle finance options on the market.

One of the great benefits of using a personal loan to fund the purchase of a vehicle is that you can buy an older, used vehicle from just about any dealership.

The Lending People’s panel of lenders includes competitive lenders such as MotorFinance.co.nz, Oxford Finance, Avanti Finance and Latitude Financial Services, to name but a few.

Pre-owned or straight off the showroom floor, it’s up to you!

If you’re looking for a personal loan to fund the purchase of a vehicle, The Lending People can assist you in securing the most suitable car loan for your individual needs.

Whether you’re looking to buy a pre-owned vehicle or a car right off the showroom floor, the Lending People’s range of car finance partners offers some of the most competitive options on the market.

Happy customers and great reviews

The Lending People have become known for their simple loan applications and great customer service. There are hundreds of reviews on the Lending People detailing the quick and easy process enjoyed by customers and the great loan matches made.

The Lending People Services

Whether you have good or bad credit the Lending People will be able to find a car loan that will meet your needs and fit into your budget with ease.

Since they source loans of up to $75,000 with up to 7 years to repay, their loans are ideal for people looking to purchase a vehicle.

You must have a NZ Drivers License or a NZ Learners in order to be able to apply for a car loan with the Lending People. 

Benefit from using a broker to find a car loan

Car loans are expensive and generally require the borrower to have a good credit score to secure approval.

By using the broker services offered by The Lending People you only need to make a single quick loan application to gain access to multiple lenders and car loan options.

This not only increases your chances of being approved for a loan but will help you find the most competitive deals since your broker will advise on which of the loan options you’ve been offered are the most competitive and most suitable to your individual needs.

Loan interest rates

The interest rates offered by the Lending People’s panel of lenders range from as little as 8.95% to 26.95%. The rate you’ll be offered from the range of lenders will depend entirely on your credit and loan specifics.

Other loan types and offers from the Lending People

In addition to car loans, you can also apply for personal loans and debt consolidation loans which also range from $3,000 to $75,000.

The Lending People Car loan

  • Loan Type Car finance
  • Interest Rate from 8.95%
  • Loan Amount up to $75,000
  • Repayment 12 months to 7 years

Benefits of The Lending People

  • Affordable payment plans
  • quick and easy online loan application
  • Get pre-approved
  • Low interest rates

Apply for a car loan and get your conditional approval in just 60 seconds!

The Lending People’s loan application process has been streamlined to allow customers to apply quickly and easily from their phones, tablets or computers.

They even offer customer pre-approval on car loans so that you know exactly what you can afford, what your repayments will be and get that boost of confidence you need to negotiate a better deal at the dealership.

What you need to apply for a car loan

In order to make your online loan application, you need to be at least 18 years of age, have an NZ Drivers License or an NZ Learners, be able to provide proof of address and be earning a stable income above $500 per week. You cannot be bankrupt or be experiencing any form of financial hardship.

Documents to prepare before making an application

You will need you ID, proof of address and a recent payslip in order to complete your loan application. You can quickly and easily allow the Lending People to access your most recent bank statements via their bank statement retrieval service called Proviso. It’s quick, simple and secure and generally much easier than having to download and upload your statements manually.

Get access to multiple car loans with a single credit check

In the past, being able to compare car loan offers required you to have to subject your credit to multiple credit checks. By using the Lending People’s brokerage services you can access multiple car loan offers and you’ll only have to go through a single credit check.

Get approved for your car loan in just 60 seconds

Provided that you’ve completed the application form in its entirety and provided the necessary supporting documents, the Lending People’s application system will provide you with conditional approval in just 60 seconds!

Once your instant finance is approved you’ll receive a digital loan agreement or contract which you can quickly and easily sign on your phone, tablet or laptop!

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The Lending People is a trusted & reliable provider of car finance

In our review, The Lending People adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

The Lending People is a registered credit provider in New Zealand: FSP240365

Customer Reviews & Testimonials

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The Lending People Contact

Physical Address

Postal Address

  • PO Box 105063, Auckland City, Auckland, 1143, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed