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MARAC Car Loans & Marine Finance

We’ve been keeping Kiwis moving for over 65 years, providing a quick and simple application process for motor vehicle and marine finance, when you need it.

So whether it’s a private sale, or through one of our authorised dealers, we make it easy to apply for finance to get yourself mobile, upgrade your ride, or make room for a growing family.

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Car Loans

Found the ride you’ve been looking for? Then let’s get you behind the wheel. We know sometimes you need to get moving quickly, which is why we keep our application process simple.

  • Car loans available from 8.95% p.a to 15.95% p.a
  • Choose terms from 1 to 5 years
  • Conditional approval available
  • No deposit required*
  • Weekly, fortnightly, monthly or structured payments suited to your circumstances

Marine & Leisure Finance

Is that the great outdoors calling? Let’s not keep it waiting any longer. Our Marine and Leisure Finance are available direct to you, or via our nationwide network of authorised boat dealers.

  • Use finance to purchase a boat (new or used) and/or trailer, campervan or jet ski
  • Terms available from 1 to 5 years
  • Own your asset right away
  • The asset remains the security for the loan
  • Weekly, fortnightly, monthly or structured payments suited to your circumstances

Operating Leases

Are you a self-employed business owner, or have a small- to medium-sized fleet that you need on the road? A lease is an option to keep your business moving. At the end of the lease, to return your vehicle, simply deliver it to the dealer you got it from originally. It’s that easy.

  • Selected maintained or non-maintained options
  • Tax deductible payments
  • No residual risk
  • Return and upgrade
  • No resale risk to you
  • Manage your cashflow


Protect your purchase with insurance options provided by Autosure. MARAC and Autosure have partnered to provide you with insurance options to give you peace of mind when it comes to your new vehicle purchase.

*Lending criteria, fees and charges apply. MARAC is a division of Heartland Bank Limited