Marac homepage
Dealer login
  • Leasing
  • Become a Marac dealer
  • About Marac
  • Blog
  • Contact us
  • Dealer login

    Marac

  • Car Loans
  • Electric Vehicle Loans
  • Marine and Leisure Finance
  • Interest rates and fees
  • Documents and forms
  • Common questions
  • Unforseen hardship

    Marac Insurance

  • Rating and solvency
  • Documents and forms
  • Common questions
  • Leasing
  • Become a Marac dealer
  • About Marac
  • Blog
  • Contact us

Car Loans

If you’re looking to finance a new car, a Marac car loan could help get you on the road. You can choose to apply for finance through our nationwide network of authorised dealers, or directly through our quick and simple online application.

Marac car loans

Why choose a Marac car loan?

  • Complete our simple online application at any time, anywhere.

  • Interest rates between
    8.95% and 12.95% p.a., fixed for the term

  • Terms of 1-7 years to suit your payment needs.

  • Manage your loan on the go with the Heartland Mobile App.

*Heartland Bank Limited's responsible lending criteria, terms, conditions and fees apply.

Found your next car, or want to know how much you could borrow?

If you’ve already found your dream car and need finance, or you want to know how much you could borrow, you can apply for a loan directly through our website using the button below.

Alternatively, our nationwide network of authorised dealers can help you find a vehicle that ticks all your boxes and is within your budget. They can also take care of arranging finance for you on behalf of Marac.

Take care of your vehicle loan on the go

As part of the Heartland Bank whānau, Marac customers can take care of their vehicle loan on the go through the Heartland Mobile App or Heartland Digital.

Get app access
  • Marac
  • Car Loans
  • Marine and Leisure Finance
  • Interest rates and fees
  • Documents and forms
  • Common questions
  • Unforseen hardship
  • Extend interest rates and fees
  • Marac Insurance
  • Ratings and solvency
  • Documents and forms
  • Common questions
  • Become a Marac dealer
  • Leasing
  • About us
  • Blog
  • Contact us
  • Apply now
  • DocuSign
  • Compliments & complaints
  • Disclosure statements
  • Privacy statement
  • Website terms of use
Marac logo Level 3, 277 Broadway Newmarket 1023 Auckland
PO Box 9919, Newmarket, Auckland 1149
© Heartland Bank Limited 2025 all rights reserved