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 licensed lender, 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 60 minutes.
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
Car Loan Requirements in New Zealand
- Proof of income
- Valid NZ driver's license
- Proof of residence
- Credit score of 300+
- Active bank account
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.