AutoDrive finances used cars across New Zealand — from a registered dealer or a private seller — from $5,000 to $150,000, from 9.99% APR. This page covers what's possible; for the full background read our complete guide to used car finance in NZ.

Can I finance a used car in NZ?

Yes — AutoDrive finances used vehicles from both dealers and private sellers anywhere in New Zealand, on the same terms as a new car.

Does the car's age or mileage affect my loan?

Yes — older, higher-mileage cars can mean a shorter maximum term or a slightly higher rate, because the vehicle is the lender's security.

What's the difference between dealer and private-sale used finance?

With dealer finance the dealer arranges payment; with a private sale AutoDrive pays the seller directly after the vehicle checks out — compare the cost in our guide to dealer finance vs bank finance in NZ.

How do I check a used car isn't already under finance?

Check the car on the PPSR before you buy — if there's security registered against it, that debt can follow the car.

What interest rate applies to used car finance?

Used car finance runs from 9.99% to 29.99% APR depending on your credit, the term and any deposit; see what moves your rate in our guide to car loan interest rates in NZ and estimate repayments on our car loan calculator.

What do I need to apply?

Proof of income
Valid NZ ID
Last 90 days of bank statements
Vehicle details (make, model, seller, price)

How do I apply with AutoDrive?

Apply online — Alfie checks your affordability and matches you to a lender under the CCCFA. Many buyers start with car finance pre-approval before they commit to a car. Alfie is an AI assistant and can make mistakes — the final lending decision is made by the lender. See how it works and our car loans page for product detail.

Used Car Finance in NZ — Dealer or Private, New to You