AutoDrive finances cars bought privately in New Zealand, not just from dealers — useful because most used cars change hands privately or on Trade Me. We pay the seller directly once the car checks out. For the broader picture see our used car finance page.

Can I get finance to buy a car privately in NZ?

Yes — AutoDrive arranges finance for private-sale vehicles anywhere in New Zealand, from $5,000 to $150,000, on the same terms as a dealer purchase.

How does private-sale car finance work?

Once you're approved and the car passes its checks, AutoDrive's lender pays the private seller directly, and your loan is secured against the vehicle.

How does AutoDrive pay a private seller safely?

Payment goes to the verified seller after identity and ownership are confirmed, which protects both sides of the sale.

How do I check the car isn't under finance?

Run a PPSR check before you buy — if finance is registered against the car, that debt can follow it to you.

Is private-sale finance more expensive than dealer finance?

Not inherently — your rate depends on your credit, the car and the term, not the seller type; compare approaches in our guide to dealer finance vs bank finance in NZ and estimate repayments on our car loan calculator.

What do I need to apply?

Buyer proof of income, ID and last 90 days of bank statements
Seller identity and contact details
Vehicle details (registration, price, ownership)

How do I apply with AutoDrive?

Apply online — Alfie checks your affordability under the CCCFA. Get pre-approved before you find the car so you know your budget. Alfie is an AI assistant and can make mistakes — the final lending decision is made by the lender. See how it works, our car loans page, or no deposit car finance if you have no money down.

Private Sale Car Finance in NZ — Buy From a Private Seller With Confidence