Rating based on 35 reviews

UDC Car Finance

  • Car finance up to $500,000
  • Low-interest starting from 8.95%
  • Repayment up to 5 years

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

About UDC

Planning to buy a car? With a rich history and wide understanding of financing businesses and individuals, UDC can be trusted to help you get the car loan you need!

UDC has been providing thousands of kiwis with competitive rates since 1937. They have been operating under a few other names but the way they do business has always been the same – delivering world-class service and making a difference in the lives of New Zealanders.

They started out as Financial Services Limited and became The London-based United Dominions Trust purchased Financial Services Limited 14 years later and retitled again in 1954 to United Dominions Corporation.

During 1980-2020 UCD started operating as a wholly-owned subsidiary under ANZ Bank New Zealand Limited and finally, in the year 2020 UDC had a fresh start with their new owners, Shinsei Bank Group – that manages the asset financing, vehicle, and consumer lending businesses in Japan.

Car loans same-day approvals

If you are in need of a car, van, ute, or bike then UDC finance can help you out. You can apply for a loan of $10,000 as an individual or business. They have over 500 accredited dealers throughout New Zealand and can provide you with appropriate vehicle finance.

To make it simpler you can take a look at their website and find a UDC accredited dealer closest to you with the click of a button on their dealer locator. You also have some exciting options to apply for an electric vehicle loan or a boat loan. They offer loan terms for 1 to 5 years and same-day approval Monday – Friday during business hours.

UDC Services

Think it’s time for a new car, UDC will help you get it and make the process quick and easy.

Access a loan of $10,000 or more. Go to their webpage and use their online calculator to get a repayment estimate and check if it suits your budget.

What about interest rates

UDC’s competitive Interest rates for car loans online range from 7.95% p.a. to 9.95% p.a. with flexible loan periods of 1 to 5 years. If you would like to talk to someone before applying for a car loan, you can complete an inquiry form and UDC’s representatives will contact you. Getting your next car can be a stress-free experience with UDC’s impeccable service and knowledgeable advice – helping you to get the perfect deal!

Avoid tying up your business capital

Other options made available by UDC for New Zealand businesses:

  • Fleet Finance – for business vehicles
  • Equipment Finance – for replacing machinery or buying new equipment to expand your business.
  • Owner Driver Finance – for getting your trucks on the road.

Other vehicle loans

  • Electric vehicle loans – For your desire to be economic.
  • Boat loans – Get your dream boat out on the water now.

Great Customer support – expert advice

Get the support you need from friendly, skilled, and professional experts that will go the extra mile to help you reach your goals. They are there to assist you through the ups and downs of life, they even offer COVID-19 support and have other business finance guarantee schemes that can help you out.

UDC – Car loan

  • Loan Type Car finance
  • Interest Rate 8.9510.95% p/a
  • Loan Amount up to $500,000
  • Repayment 12 months to 5 years

Benefits of UDC

  • Vehicle finance with competitive interest rates
  • Get finance for new or used cars
  • Flexible loan repayment terms

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.

Buying a car should be easy, that's why we offer our clients easy & straightforward car loans

How to Apply for a low-rate car loan with UDC

Get this ready before you apply

  • Current New Zealand Driver’s License.
  • Current and previous employer details.
  • Proof of address and some personal information.
  • Have a bank account with access to internet banking.
  • Details of your income, expenses, assets, and liabilities, and/or your business.

Steps to apply online

  1. On UDC’s website under ‘Lending Vehicles’ choose 'Apply now'.
  2. Select if you are applying as an individual or business.
  3. Tick the box and select ‘Start Application’ and just follow the given instructions.

Benefits of a UDC car loan

  • Competitive interest rates.
  • Up to 100% finance for both new and used cars.
  • If you apply during business hours you can get approval on the same day!
  • Fast and easy online loan NZ application process.
  • Loan periods from 1 to 5 years.
  • A nationwide expert team with extensive finance experience.
  • Tailored loans that will suit your budget and lifestyle.
  • Flexible payment structures.
  • Ongoing support from friendly staff.

Customer Reviews & Testimonials

In deciding on a company I’d take a loan out by, it came down to UDC Finance’s flexible repayments, which sealed the deal.

Annabelle F.
— Queenstown —

Other companies I’ve heard people have applied at, all took ages to approve or reject loans. At UDC, my loan was approved the next morning and I could go and buy my vehicle two days later. The fl...

Imogen L.
— Invercargill —

UDC Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 91145, Victoria Street West, Auckland, 1142, New Zealand

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed