Car Finance & Personal Loans NZ
Finance Made Simple With Your Personal AI Assistant
AutoDrive is a New Zealand licensed lender (CCCFA compliant) offering car loans and personal loans with fast online approval. Whether you're financing a used car through a private sale or purchasing from a registered dealer, we offer flexible terms from 12 to 84 months with rates from 9.99% APR.
We specialise in car finance for all credit situations — including applicants with limited credit history. Most applications are approved within 60 minutes, with personal loan funds available same day and car loan funds settled next business day. See how it works or our FAQ for more.
Car Loans & Personal Loans for New Zealanders
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How to Apply for a Car Loan in NZ
Getting your loan is simple and straightforward. Here's how we make it happen.
Apply Online for Your Car or Personal Loan
Complete our simple application in just minutes. No paperwork, no hassle.
Get Approved – Fast Decision in NZ
Get AI Approved Instantly
Live Your Dream – Same-Day or Next-Day Payout
Personal loans paid same day and Car loans paid next day!
5 Tips for Getting Approved for Car Finance in NZ
When applying for finance, take your time and make sure you secure the best interest rate for your situation.
Know What You Can Afford – Budget for Your Loan
Work out your disposable income and calculate how much you can pay weekly. Keep in mind unexpected vehicle expenses.
Check Your Credit Report Before Applying
You can get a free credit report. If your credit report returns any unknown debts, you can settle them before applying.
Pay Off Any Debts Before You Apply
When you apply, you'll be required to show three months of bank statements showing you can manage your money well.
Save For A Deposit – Lower Your Loan Amount
Having a deposit shows the lender you are financially responsible. Your total loan amount will be lower.
Know What You Are Signing – Read the Disclosure
Read the disclosure statement thoroughly. By law, a lender must ensure that you understand all fees clearly.
Car Loan Reviews from NZ Customers
We've helped thousands of Kiwis get into their dream cars. Here's what they have to say.
"Amazing company to deal with not even a week and i have been approved for the car i have been wanting for ages hassle free and my broker alice has absolutely amazing customer service skill highly recommend this place"
"Highly recommended to work with! Quick response and action, top notch and over-and-above customer service. Worked with Alice and she did an excellent job. In less than a week, all sorted efficiently, and got my car!"
"Very awesome service from Craig Mason to help me find a car and finance company Highly recommended"
Apply for Your NZ Car Loan Today
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