NZ Car Finance

Welcome to NZ Car Finance, your go-to institution for fast and competitive car loan finance in Auckland, New Zealand. Located at 321 Karangahape Road, we are a trusted establishment that specializes in providing finance solutions for all your car buying needs.

At NZ Car Finance, we understand that purchasing a car can be a significant investment, and we are here to help make the process easier for you. With fixed interest rates starting from 9.45%, we offer competitive rates that give you the buying power you need to find your dream car.

Our team works with market-leading lenders, ensuring that we can help you get approved for a loan that suits your financial situation. Whether you're a first-time buyer or looking to upgrade your current vehicle, we have the expertise to assist you every step of the way.

Applying for a car loan with multiple lenders can negatively impact your credit score, but with NZ Car Finance, we have established relationships with our lenders, allowing us to generally secure approval on your first application, without the need for shopping around.

When you choose NZ Car Finance, you can expect a dedicated team member who will prioritize your interests throughout the entire loan process. We aim to provide a seamless experience, delivering fast turnaround times and same-day settlement.

To ensure that you are well-informed, we have provided a summary of how car loans work on our website. This includes details on repayment options, interest rates, fees, and other important information that will keep you in the driver's seat.

We understand that buying a used car can come with risks, which is why we recommend taking advantage of the AA's services. They offer full bumper-to-bumper examinations at their nationwide centers and also provide pre-purchase inspections at the location of the seller, helping you avoid buying a lemon.

Please note that our interest rates range from 9.45% to a maximum of 28.95% on a minimum 12-month to a maximum 60-month loan term. The actual interest rate charged will depend on various factors, including your circumstances, the type of lending required, and the security provided.

Fees do apply, such as an establishment fee of up to $450 and an introducer fee of up to $995. For example, if you take out a loan of $5,000 over 12 months at 9.95% p.a., you can expect fees totaling $495 and a total repayment of $5,796.42, equating to 12 monthly payments of $483.03.

Approval for a loan is subject to meeting lending criteria and an affordability test. Our lenders will independently assess your eligibility for a loan, but please note that we do not provide advice on the suitability of a particular car loan offered by a lender.

We strive to provide a quick and efficient loan application process, with a one-hour application decision, subject to meeting the affordability test and supplying all the required information. If all conditions are met and loan documentation is completed by 12 pm, you may be eligible for a same-day payout.

Choose NZ Car Finance for hassle-free car loan finance in Auckland. Apply online today and let us help you get on the road to owning your dream car.