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Common Questions

For the full fee schedule, rates and terms available here.
Yes. Give our car loans team a call on 0800 85 20 20, and we’ll see what we can do to change your loan to suit your circumstances (there may be a fee to restructure your loan).
The security will be the car you’ve purchased, although we may ask for additional security and/or a guarantor.
We will be in contact within two hours from receiving your application, but this might be the next working day depending on when your application is received.
$5,000 is the minimum amount that can be borrowed.
Yes – We know that some people like to know how much they can borrow before they go shopping for a car. You can apply for the loan as normal and, if approved, you can use the approval confirmation with a MARAC or Heartland-authorised motor vehicle dealer. If you’re organising a private sale, we will pay the private seller on your behalf.
Yes, you need to be at least 18 years of age.
Yes – If you want to increase the amount, give us a call on 0800 85 20 20. If approved, we can confirm this over the phone and you won’t need to fill in another loan application.
No, the minimum driver’s licence we require is a restricted licence

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