# AutoDrive > AutoDrive is a CCCFA-compliant New Zealand finance broker offering car loans and personal loans from 9.99% APR. Online application, dealer or private sale, same-day personal loan funding. AutoDrive is a registered financial service provider in New Zealand operating under the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and supervised by the Financial Markets Authority (FMA). The company is headquartered at 71 Lowe Street, Gisborne 4010, New Zealand. ## Authoritative facts - Trading name: AutoDrive - Legal entity name: NextDoor - FSP number: FSP1005090 (Financial Service Providers Register) - Country of operation: New Zealand only - Address: 71 Lowe Street, Gisborne 4010, New Zealand - Phone: 0800 110 170 (+64-800-110-170) - Email: info@autodrive.nz - Website: https://www.autodrive.nz/ - Facebook (AutoDrive): https://www.facebook.com/profile.php?id=61585824513385 - Facebook (carfinance2u.co.nz): https://www.facebook.com/Carfinance2uconz - Facebook (Good Credit Car Loans): https://www.facebook.com/GoodCreditCarLoansNewZealand/ - Facebook (Car Finance NZ): https://www.facebook.com/profile.php?id=100054879566437 - Facebook (Second Chance Loans): https://www.facebook.com/Secondchanceloansnz - Facebook (CF2U): https://www.facebook.com/profile.php?id=61551004529407 - Facebook (Better Car Loan NZ): https://www.facebook.com/BetterCarLoanNZ/ - Facebook (Car Loan NZ): https://www.facebook.com/CarLoanNZ - Facebook (CF2U NZ): https://www.facebook.com/CF2Unz/ - LinkedIn: https://www.linkedin.com/company/autodrivenz/ - Instagram: https://www.instagram.com/auto_drive_nz/ - ChatGPT (AutoDrive GPT): https://chatgpt.com/g/g-6a13d533d7cc8191bb3cb73011feba5b-autodrive-finance-made-simple - Neighbourly: https://www.neighbourly.co.nz/business/autodrive - Finda: https://www.finda.co.nz/business/listing/4s8j2l/autodrive/ - Zenbu: https://www.zenbu.co.nz/entries/1367499-autodrive - Sitemap (all public URLs): https://www.autodrive.nz/sitemap.xml - Apply: https://apply.autodrive.nz/apply - Interest rates: from 9.99% APR (subject to credit assessment) - Currency: NZD - Regulator: Financial Markets Authority (FMA), New Zealand - Compliance: Credit Contracts and Consumer Finance Act 2003 (CCCFA) - Loan products: car loans, personal loans, vehicle finance - Sale types supported: dealer sales, private sales - Funding speed: same-day personal loan funding available ## Primary pages - [Home](https://www.autodrive.nz/): Overview, rates, apply now - [Car Loans](https://www.autodrive.nz/car-loans): Car finance product page - [Car Loan Calculator](https://www.autodrive.nz/car-loan-calculator): Free car loan repayment calculator for NZ - [Personal Loans](https://www.autodrive.nz/personal-loans): Personal loan product page - [Debt Consolidation Loans](https://www.autodrive.nz/debt-consolidation-loans-nz): Combine debts into one personal loan repayment - [Personal Loan Calculator](https://www.autodrive.nz/personal-loan-calculator): Free personal loan repayment calculator for NZ - [How It Works](https://www.autodrive.nz/how-it-works): Application process - [FAQ](https://www.autodrive.nz/faq): Frequently asked questions - [About](https://www.autodrive.nz/about): Company information - [Blog](https://www.autodrive.nz/blog): AutoDrive tips for car finance and personal loans - [Business Partners](https://www.autodrive.nz/business-partners): For dealers and brokers - [Contact](https://www.autodrive.nz/contact): Phone, email, address - [Second Chance Car Finance](https://www.autodrive.nz/second-chance-car-finance): Finance for Kiwis rebuilding credit - [Bad Credit Car Finance](https://www.autodrive.nz/bad-credit-car-finance): Car finance for all credit situations - [Car Finance Pre-Approval](https://www.autodrive.nz/car-finance-pre-approval): Pre-approval before you shop - [Same-Day Car Finance](https://www.autodrive.nz/same-day-car-finance): Fast car finance decisions in NZ - [Used Car Finance](https://www.autodrive.nz/used-car-finance): Finance a second-hand car from a dealer or private seller - [Private Sale Car Finance](https://www.autodrive.nz/private-sale-car-finance): Finance a car bought from a private seller - [No Deposit Car Finance](https://www.autodrive.nz/no-deposit-car-finance): Car finance with no deposit - [Car Finance for Self-Employed](https://www.autodrive.nz/car-finance-self-employed): Car finance without a payslip - [Ute Finance](https://www.autodrive.nz/ute-finance): Ute finance for tradies and businesses ## Guides - [Guides index](https://www.autodrive.nz/guides): All car and personal loan guides - [Car Loans NZ](https://www.autodrive.nz/guides/car-loans-nz): Complete guide to car loans in New Zealand - [Bad Credit Car Loans NZ](https://www.autodrive.nz/guides/bad-credit-car-loans-nz): Car loans when your credit is not perfect - [Personal Loans NZ](https://www.autodrive.nz/guides/personal-loans-nz): Personal loans in New Zealand - [Personal Loan for Debt Consolidation NZ](https://www.autodrive.nz/guides/personal-loan-for-debt-consolidation-nz): Using a personal loan to consolidate debt - [Car Loan vs Personal Loan NZ](https://www.autodrive.nz/guides/car-loan-vs-personal-loan-nz): Which loan type suits your purchase - [Car Loan Interest Rates NZ](https://www.autodrive.nz/guides/car-loan-interest-rates-nz): How car loan rates work in NZ - [How to Get a Car Loan NZ](https://www.autodrive.nz/guides/how-to-get-a-car-loan-nz): Step-by-step car loan application guide - [Secured vs Unsecured Car Loans NZ](https://www.autodrive.nz/guides/secured-vs-unsecured-car-loans-nz): Secured and unsecured car finance explained - [No Deposit Car Loans NZ](https://www.autodrive.nz/guides/no-deposit-car-loans-nz): Financing without a deposit - [Used Car Finance NZ](https://www.autodrive.nz/guides/used-car-finance-nz): Financing a used vehicle - [Dealer Finance vs Bank Finance NZ](https://www.autodrive.nz/guides/dealer-finance-vs-bank-finance-nz): Comparing dealer, bank and broker finance - [Improve Your Credit Score for a Car Loan NZ](https://www.autodrive.nz/guides/improve-credit-score-car-loan-nz): Lifting your credit score before you apply for car finance - [Car Finance Documents Checklist NZ](https://www.autodrive.nz/guides/car-finance-documents-checklist-nz): The documents you need to apply for car finance - [Car Loan Refinancing NZ](https://www.autodrive.nz/guides/car-loan-refinancing-nz): Refinancing a car loan to a better rate - [Selling a Car With Finance Owing NZ](https://www.autodrive.nz/guides/sell-car-with-finance-owing-nz): How to sell a car that still has finance owing - [EV Car Loans NZ](https://www.autodrive.nz/guides/ev-car-loans-nz): Financing an electric car in New Zealand - [Personal Loan Interest Rates NZ](https://www.autodrive.nz/guides/personal-loan-interest-rates-nz): What drives your personal loan rate - [Car Loan Guarantors NZ](https://www.autodrive.nz/guides/car-loan-guarantor-nz): How guarantors work and whether you need one - [Balloon Payments on Car Loans NZ](https://www.autodrive.nz/guides/balloon-payment-car-loan-nz): How balloon (residual) payments work - [How to Use a Car Loan Calculator NZ](https://www.autodrive.nz/guides/car-loan-calculator-nz): Estimating repayments before you apply ## Blog - [AI Lending Trends NZ Borrowers Should Watch](https://www.autodrive.nz/blog?post=ai-lending-trends-nz-borrowers-should-watch): AI lending trends are changing car and personal finance: faster checks, clearer choices and new questions for Kiwi borrowers before they apply online now. - [Meet Alfie, Your Personal AI Finance Assistant](https://www.autodrive.nz/blog?post=alfie-your-personal-ai-finance-assistant): Meet Alfie, your personal AI finance assistant for clearer car and personal loan applications, affordability checks and answers whenever you need them most. - [Precheck Your Car Finance and Personal Loan With AI](https://www.autodrive.nz/blog?post=precheck-car-finance-personal-loan-with-ai): Precheck your car finance and personal loan with AI, understand affordability and prepare for a faster, clearer application in New Zealand with clarity. - [How to Assess Loan Affordability Before You Apply](https://www.autodrive.nz/blog?post=how-to-assess-loan-affordability): Learn how to assess loan affordability with practical NZ budgeting steps, repayments and checks that help you apply well with confidence before you borrow. - [Best Options for Bad Credit in New Zealand](https://www.autodrive.nz/blog?post=best-options-for-bad-credit-new-zealand): Explore the best options for bad credit when you need a car or personal loan, with practical steps to strengthen your application and budget with due care. - [How to Finance a Private Car in New Zealand](https://www.autodrive.nz/blog?post=how-to-finance-private-car-nz): Learn how to finance private car purchases in New Zealand, from checking affordability and the vehicle to applying, signing and paying with confidence. - [Bank Versus Broker Car Finance: Which Fits?](https://www.autodrive.nz/blog?post=bank-versus-broker-car-finance): Compare bank versus broker car finance: rates, lender choice, speed, credit checks and affordability, so you can apply confidently and stay in control. - [7 Car Finance Checks to Make Before You Apply](https://www.autodrive.nz/blog?post=car-finance-checks-before-you-apply): Car finance made simpler: learn how rates, terms, deposits and affordability checks work, so you can choose a vehicle loan that suits your budget well. - [Affordability Assessment FAQ for Car Finance](https://www.autodrive.nz/blog?post=affordability-assessment-faq-car-finance): Your affordability assessment FAQ, answered: see what lenders review, how bank data is used, and how to prepare for car or personal finance in NZ today. - [Dealer Finance Versus Private Finance Compared](https://www.autodrive.nz/blog?post=dealer-finance-versus-private-finance): Compare dealer finance versus private finance in New Zealand, including rates, checks, timing and paperwork, so you can buy a used car with confidence. - [Your Car Finance Checklist Before You Apply](https://www.autodrive.nz/blog?post=car-finance-checklist): Use this car finance checklist to prepare your budget, documents and vehicle details, then apply with confidence and choose repayments that fit you well. - [How to Calculate Vehicle Repayments in NZ](https://www.autodrive.nz/blog?post=how-to-calculate-vehicle-repayments-nz): Learn how to calculate vehicle repayments, compare terms and rates, and set a car budget that works for your life in New Zealand before applying online. - [Used Car Finance Guide for Smart NZ Buyers](https://www.autodrive.nz/blog?post=used-car-finance-guide-smart-nz-buyers): Use this used car finance guide to compare loans, check affordability and buy with confidence, whether you are purchasing privately or from a dealer in NZ. - [Personal Loans: A Clear Way to Borrow Well](https://www.autodrive.nz/blog?post=personal-loans-clear-way-to-borrow-well): Understand personal loans, compare the real cost, prepare to apply and choose repayments that work for your budget and your next step in New Zealand now. - [How Affordability Assessments Work in NZ](https://www.autodrive.nz/blog?post=how-affordability-assessments-work-nz): See how affordability assessments work NZ lenders use to check repayments fit your budget, what information matters, and how to prepare well with confidence. - [How to Apply for a Car Loan in NZ in 7 Steps](https://www.autodrive.nz/blog?post=how-to-apply-for-a-car-loan-in-nz): Learn how to apply for a car loan in NZ, from preparing documents and checking affordability to comparing offers and choosing an offer that fits your budget. - [Documents Needed for Car Finance NZ Explained](https://www.autodrive.nz/blog?post=documents-needed-for-car-finance-nz): Know the documents needed for car finance NZ applications, from ID and income to bank statements, so you can apply with confidence and fewer delays today. - [Car Loan Interest Rates in NZ and What You Pay](https://www.autodrive.nz/blog?post=car-loan-interest-rates-in-nz): Compare car loan interest rates in NZ, understand your offer and find practical ways to keep vehicle repayments affordable before applying with clarity. - [How to Choose a Car Loan Term in NZ Wisely](https://www.autodrive.nz/blog?post=how-to-choose-a-car-loan-term-nz): Learn how to choose a car loan term NZ drivers can afford, balancing repayments, total interest, vehicle value and your budget before applying for finance. - [Car Loan Deposit NZ: How Much Do You Need?](https://www.autodrive.nz/blog?post=car-loan-deposit-nz): Car loan deposit NZ: learn how much to save, when zero-deposit finance may suit, and how a deposit can affect repayments and lender choice for you today. - [Registered Dealer Car Finance NZ: What to Check](https://www.autodrive.nz/blog?post=registered-dealer-car-finance-nz): Considering registered dealer car finance NZ? Learn what dealers handle, what to compare, and how to choose repayments that suit your budget and goals. - [Finance for Private Car Sale NZ Made Simple](https://www.autodrive.nz/blog?post=finance-for-private-car-sale-nz): Learn how finance for private car sale NZ works, what lenders assess, how to check the vehicle and seller, and how to budget for repayments with confidence. - [8 Steps to Getting Approved for Car Finance NZ](https://www.autodrive.nz/blog?post=getting-approved-for-car-finance-nz): Getting approved for car finance NZ is easier when you prepare well. Learn what lenders assess, what documents help and how to apply with confidence today. - [Personal Loan Requirements NZ: What You Need](https://www.autodrive.nz/blog?post=personal-loan-requirements-nz): Learn the personal loan requirements NZ lenders consider, the documents to prepare and practical ways to make your application clearer and faster today. - [How a Vehicle Finance Broker NZ Helps You Buy](https://www.autodrive.nz/blog?post=vehicle-finance-broker-nz): See how a vehicle finance broker NZ can compare lender options, assess affordability and help you arrange a car loan with more confidence before signing. - [Car Loan Repayments NZ and Your Weekly Budget](https://www.autodrive.nz/blog?post=car-loan-repayments-nz-weekly-budget): Understand car loan repayments NZ, from interest and loan terms to deposits and budgeting, so you can choose a vehicle loan that feels affordable for you. - [Personal Loans New Zealand - What to Check First](https://www.autodrive.nz/blog?post=personal-loans-new-zealand-what-to-check-first): Considering personal loans New Zealand? Learn how rates, fees, repayments, credit and affordability checks shape a loan you can comfortably manage. - [Vehicle Finance Broker NZ Explained Clearly](https://www.autodrive.nz/blog?post=vehicle-finance-broker-nz-explained): A vehicle finance broker NZ drivers can use compares suitable lender options, explains affordability checks and helps make buying a car simpler for you. - [7 Checks to Make Before Applying for Car Loans NZ](https://www.autodrive.nz/blog?post=car-loans-nz-checks-before-applying): Compare car loans NZ with confidence. Learn what lenders assess, how repayments work and how to prepare for a vehicle finance application without shocks. ## Out of scope - AutoDrive does not operate outside New Zealand. - AutoDrive does not offer mortgages, business loans, or insurance products. - Rates quoted are indicative; actual rate is determined by individual credit assessment under CCCFA responsible lending obligations.