Capital at the speed of opportunity.
Vault Finance is New Zealand's discreet partner for ambitious borrowers. 75+ lender partners, same-day decisions, and senior advisors who treat your timeline as non-negotiable.
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75+ NZ & global lender partners
Strong relationships. Direct underwriter lines. Faster yes.Car finance, simplified
Drive away sooner with Vault.
Sharp rates · Flexible terms · No runaround
Buying a car shouldn't feel like a second job. We handle the lender shopping, structure the deal around your repayments, and keep the paperwork to a minimum. With strong relationships across New Zealand dealerships and private sellers, we line up the right finance so you can pick up the keys with confidence — not weeks of back-and-forth.
- Approvals in hours, not days
- Sharp, negotiated rates
- Dealer & private sale ready
The Vault edge
Speed. Precision. Every time.
We replace paperwork with precision. Direct lines into 75+ lender credit teams mean your file is read by a decision-maker — often the same day it's submitted.
1-hour decisions
Get a decision in as little as one hour. Our streamlined process gives you fast, reliable results — with settlement in as little as 24.
75+ lender panel
Bank, non-bank, specialist, private. We pick the perfect lender for your file — first time.
Senior-only handling
Your file never touches a junior. Senior brokers manage every conversation, every escalation.
Direct underwriter access
Established credit relationships mean we negotiate exceptions others can't.
Sharper structures
We compare structures across the entire panel — not just rate, but term, balloon, and fees.
Available when needed
Auctions, settlements, EOFY pressure — we move at the pace your opportunity demands.
Personalised loans
Why drivers across NZ choose Vault Finance.
Vault Finance is more than car loans. We make borrowing fast, transparent and stress-free — sharp approvals, flexible terms, and no hidden fees, so getting into your next vehicle feels effortless.
Fast loan approvals
On the road sooner with approvals in hours — not days. No waiting, no stress.
Competitive rates
Affordable finance with rates from just 8.45% p.a., shaped to fit your budget.
Flexible loan terms
Repayment terms from 12 to 60 months — full control, full confidence.
Trusted dealer network
Browse quality vehicles through our nationwide dealer panel, with access to exclusive offers.
Funded yesterday
$142,500 · Range Rover
Approved in 3h 12m
Asset finance specialists
If it moves, earns, or appreciates — we'll finance it.
Asset lending is our heartland. From prestige vehicles to commercial fleets, plant equipment to aircraft — we structure facilities that protect cash flow and respect the asset.
Prestige & passenger vehicles
Commercial fleets & utes
Heavy transport & trailers
Plant, machinery & equipment
Marine, yachts & jet-ski
Aviation & helicopters
Agricultural & tractors
Caravans & motorhomes
From enquiry to settlement
The Vault timeline. Compressed.
First call
Goal, asset, timeline. 15 minutes.
Lender match
Best-fit lenders chosen from our panel of 75+.
Pre-approval
Indicative terms confirmed. You can offer with confidence.
Settlement
Funds released. Keys, contracts or capital — in hand.
Trusted by ambitious Kiwis
What our clients say.
Vault placed our $1.8M plant facility with a non-bank in 36 hours after two majors said no. The relationship was the difference.
James R.
Tauranga · Civil contracting
Approved on a learner licence when every dealer turned me away. Honest, quick, and treated me with respect.
Aria T.
Hamilton · First car
Refinanced two car loans and a personal loan into one repayment. Saving over $400 a month — wish I'd called them sooner.
Daniel M.
Auckland · Refinance
Why choose Vault
Your trusted partner for fast car loans, flexible terms, and affordable rates. Start your journey today with confidence.
Ready when you are.
Two minutes to apply. One hour to a decision. One senior advisor from start to settlement.