AI Powered Car Finance and Personal Loans NZ
Alfie is your private AI Assistant who can precheck your eligibility for 24/7 approval
Powered by AI + Approved by People
AutoDrive is an AI powered self-service finance platform where you stay in control from start to finish. In your personal portal, our AI finance assistant Alfie helps you securely connect your bank and check your affordability, gathering your information for a free, CCCFA-aligned affordability assessment. Alfie then matches you with a lender from our panel and is available around the clock to answer questions about your application.
AutoDrive is a registered New Zealand financial service provider operating as a car finance and personal loan broker (FSP1005090), 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 in about 15 minutes once we have everything we need, with personal loan funds available same day and car loan funds settled next business day. See how it works or our FAQ for more.
What Alfie actually does for you
Alfie understands your affordability and credit history so you don't have to
Alfie reads your securely connected bank data and credit history, then works out what you can genuinely afford under CCCFA. You don't have to assemble statements or explain your file.
Responds to any question you have based on the info you have provided. No guesses, just answers
Ask about your loan, income, or application and Alfie answers from the information you have already given — not a generic FAQ. If it isn't in your file, he doesn't guess.
Alfie is available to you 24/7. You do things on your time, not someone else's
Apply, ask, and pick up where you left off at 11pm on a Sunday. Alfie works to your clock. A person at AutoDrive still signs off every approval.
Alfie is AI and can make mistakes — please check anything important. Approvals are at the discretion of the lender.
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 Prechecked for Car Finance and Personal Loans 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.
Guides
Plain-English guides to car finance and personal loans in New Zealand.
How to get a car loan in NZ
Step-by-step — documents, what lenders check, and what to expect.
Car loan interest rates in NZ
What rates look like, what drives yours, and how to compare offers.
Car loans when your credit isn't perfect
Plain-English advice if your credit history has a few marks.
All guides
Car loans, personal loans, deposits, used cars, and more.
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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Questions about Alfie
Product questions on rates, credit and documents stay on our FAQ. These answers are about Alfie.