About Car Loan Repayments

What we do

Most people want to know one thing before they walk into a yard or phone a lender: what will this cost me each week? Our calculators answer that in plain numbers, using the standard formula for a loan paid off in equal instalments. They are free to use and you do not need to give us any details to use them.

Some people then want to know what is actually on offer. If that is you, our short check asks a few questions about your situation and passes your details to a broker partner, who calls you to talk through options.

What we are not

We are not a lender. We do not lend money, we do not set interest rates and we do not decide who gets a loan. We are not a car dealer, and we have no stock to sell you. We are also not a financial adviser, so nothing on this site is personal advice.

How it works

1. You use the calculator to see what a loan could cost.
2. If you want to look at options, you answer four short questions and leave your contact details.
3. A real person calls you back, usually within one business day, to talk it through.
4. If a lender is able to help, they assess your application themselves and make their own decision.

You do not have to take anything you are offered, and you can stop at any point.

How we are paid

Using the calculators is free, and so is the check. If we refer you and a loan settles, the lender or broker may pay us a fee. We are only paid when a loan settles, and it never changes the rate you pay. Read the full detail on our disclosure page.

How we keep the numbers honest

We explain how our pages are researched and checked on the editorial policy page. Our results are estimates, not quotes, and nobody can promise you a loan.

Contact

Email us at info@carloanrepayments.co.nz. If a payment is already hard to keep up with, free and confidential help is available from MoneyTalks on 0800 345 123.