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Vehicle Finance

Vehicle Finance in New Zealand, Done Online

Carfindnz connects you with trusted New Zealand lenders to find vehicle finance that fits your budget, no branch visits, no stacks of paperwork.

Whether you're buying your first car, upgrading the family vehicle, picking up a work ute or looking to refinance, our online application takes minutes to fill out and most customers hear back quickly. Because we work with several lenders, we're not limited to one set of criteria, which helps us find options for a wider range of financial situations.

Our Finance Partners

We place applications with a selection of established New Zealand lenders, including:

Finance Now
Avanti Finance
CFS Finance
Geneva Finance

The lender selected for your application will depend on your individual circumstances, credit assessment and each lender's responsible lending criteria.

Finance Features

We can help with:

  • Competitive vehicle finance options
  • Loan terms tailored to suit your budget
  • Flexible repayment options
  • Financing for private and dealer vehicle purchases
  • No deposit options available for eligible applicants
  • Using your trade-in as part or all of your deposit
  • Fast online applications
  • Finance for employees, self-employed applicants and business customers (subject to approval)

Responsible Lending

Before any finance is approved, we walk through your requirements, explain the loan options available and make sure you're clear on repayments, interest charges and any fees. We won't push you into a loan that doesn't fit, our job is to find finance that's genuinely affordable for your situation.

Interest Rates

Interest rates are determined by the finance provider and are based on several factors including your credit history, income, loan amount, vehicle age and loan term.

As a guide, interest rates currently range from approximately 9.95% p.a. to 18.95% p.a., although individual rates may be higher or lower depending on the lender's assessment and lending criteria.

The actual interest rate applicable to your loan will be confirmed before you enter into any finance agreement.

Fees

A Dealer Origination Fee of $350 to $595 may apply depending on the finance provider and the type of loan arranged. Additional fees charged directly by the lender, such as establishment fees, default fees or early repayment fees, may also apply. These will be fully disclosed before you sign your loan agreement.

Loan Repayment Estimates

Any repayment examples displayed on our website are estimates only and are provided for illustration purposes. Your actual repayments may vary depending on:

  • Purchase price
  • Deposit amount
  • Loan term
  • Interest rate
  • Credit assessment
  • Fees and charges

A personalised finance quote will always be provided before you proceed.

Optional Loan Protection

When arranging finance we can also talk through optional protection products that may be available alongside your loan:

  • Mechanical Breakdown Insurance
  • Comprehensive Motor Vehicle Insurance
  • Payment Protection Insurance (where available)
  • Guaranteed Asset Protection (where available)

These products are optional and can help provide peace of mind should unexpected events occur.

Apply for Vehicle Finance Online

Fill out our secure online application and a finance specialist will review it and get back to you with options. You're under no obligation until you've reviewed and accepted an offer.

Start Your Application

Important Information

Finance is subject to lender approval, responsible lending requirements and the lender's terms and conditions. For detailed information regarding interest rates, fees and lending disclosures, please refer to the relevant lender's documentation: