Car Loans NZ — Finance Any New or Used Car
Finance your dream car with competitive rates and flexible terms. New or used, we've got you covered.
AutoDrive car loans are available for new and used vehicles purchased through registered dealers or private sales anywhere in New Zealand. Borrow from $5,000 to $150,000 over terms of 12 to 84 months.
Our car finance rates start from 9.99% APR, with your final rate determined by your credit profile and loan term. As a CCCFA-compliant broker, all fees are disclosed upfront — no surprises.
Whether you have strong credit or are rebuilding, we assess each application individually. Apply online and receive a decision within 30 minutes; car loan funds settled next business day. Need it quickly? See our same-day car finance page.
Why Choose AutoDrive for Car Finance in NZ?
- Rates starting from 9.99% APR
- Loan amounts from NZD $5,000 to NZD $150,000
- Terms from 12 to 84 months
- No prepayment penalties
- Same-day approval available
- Finance new or used vehicles
Get pre-approved before you shop — know your budget before you visit a dealer.
Need to finance with no deposit? AutoDrive can finance the full purchase price where your profile supports it.
Self-employed? Finance without a payslip. Financing a ute for work? See our ute finance page.
Car Loan Requirements in New Zealand
- Proof of income
- Valid NZ driver's license
- Proof of residence
- Credit score of 300+
- Active bank account
What does car finance cost in NZ?
Car finance in New Zealand costs between 9.99% and 29.99% APR, and your rate depends mainly on your credit profile, the loan term, your deposit, and whether the loan is secured. Here's what a $30,000 loan over 60 months looks like at different rates — indicative only, excluding fees; your final rate is set by the lender.
Strong credit history
Typical APR: 9.99%–13.95%
Approx. weekly repayment: ~$147–$160
Average or limited history
Typical APR: 13.95%–19.95%
Approx. weekly repayment: ~$160–$183
Rebuilding credit
Typical APR: 19.95%–29.99%
Approx. weekly repayment: ~$183–$224
| Credit profile | Typical APR | Approx. weekly repayment |
|---|---|---|
| Strong credit history | 9.99%–13.95% | ~$147–$160 |
| Average or limited history | 13.95%–19.95% | ~$160–$183 |
| Rebuilding credit | 19.95%–29.99% | ~$183–$224 |
Use the calculator above for your own numbers, or open the full car loan calculator, and see our guide to car loan interest rates in NZ for what moves your rate up or down. New to calculators? Read our guide to estimate your repayments with a car loan calculator.
How does AutoDrive's lender panel work?
AutoDrive is a broker, not a lender — one application is matched against a panel of NZ lenders rather than you applying to each lender separately. That matters for two reasons: multiple loan applications in a short window show up on your credit report and can lower your score, and different lenders price the same borrower differently. We match your situation to the lender most likely to approve you at a rate that fits, and every loan is assessed under the CCCFA's responsible lending rules. Proven NZ broker with 20 years experience.
Car Finance in New Zealand - What You Need to Know
AutoDrive is committed to providing transparent and compliant car finance solutions across New Zealand. We operate in accordance with the Credit Contracts and Consumer Finance Act (CCCFA), ensuring all our lending practices meet the highest standards of responsible lending.
Whether you're looking for car finance in Auckland, Wellington, Christchurch, or anywhere else in New Zealand, our online platform makes it easy to apply from anywhere. We serve customers nationwide, from major cities to smaller towns, ensuring everyone has access to fair and competitive car loan options.
Our panel of lenders includes trusted financial institutions that understand the New Zealand market. We work with lenders who offer competitive rates specifically tailored for Kiwis, whether you're financing a new vehicle or a used car from Trade Me, a dealership, or a private seller.
Popular search terms like "car finance Auckland", "car loans Wellington", and "vehicle finance Christchurch" reflect the demand for accessible financing across New Zealand. AutoDrive makes it simple to get approved, regardless of where you're located in Aotearoa.
Need a personal loan instead? We also offer flexible personal finance solutions. Have questions? Check out our FAQ page for answers to common questions about car finance in New Zealand.
New to car finance? Read our step-by-step guide to getting a car loan in NZ, or get the full picture in our complete guide to car loans in NZ.
Want to understand rates and how a loan is structured? Read our guide to car loan interest rates in NZ and our guide to secured vs unsecured car loans in NZ. Not sure which loan type suits you? Read our car loan vs personal loan comparison. Already have finance and want a better deal? Read our guide to refinancing an existing car loan. Some loans include a lump sum at the end — see how balloon payments on car loans work.
Credit not quite where you'd like it, or no deposit to put down? See our guide to bad credit car loans in NZ and our guide to no deposit car loans in NZ. Wondering if you need someone to back your loan? Read our car loan guarantors explained.
Buying used? Read our complete guide to used car finance in NZ. Weighing up dealer finance? Read our guide to dealer finance vs bank finance in NZ. Upgrading your car and still paying off the old one? See our guide to selling a financed car. Considering a plug-in? Read our guide to financing an electric car (EV) in NZ.
Can I finance a new car, used car, or private sale?
Yes — AutoDrive finances new and used vehicles from registered dealers AND private sales anywhere in New Zealand.
- •New from a dealer: simplest paperwork, lowest rates for strong credit.
- •Used (dealer or private): most NZ buyers buy used — see our complete guide to used car finance in NZ
- •Private sale: we pay the seller directly and check the vehicle on the PPSR first — read our guide to dealer finance vs bank finance in NZ