Car Finance Guides
Straight answers about car finance in New Zealand, written by people who have arranged it for more than 30 years. No sales pitch. When finance is not the right answer for you, the guide says so.
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Why Finance a Car in New Zealand?
You need a car now, but emptying your savings to get one is its own kind of risk. How car finance works in NZ, the real benefits, and when it does not stack up.
17 min read Updated 9 September 2026
Read the guide →Finance for your situation
Some situations come with extra questions. These pages answer them.
I'm on a student visa
International students are welcome to apply, with no NZ credit history needed.
I'm on a work visa
Work and working holiday visas are welcome, even with limited time left on yours.
My credit score is low
Your score is only one part of the picture. Past credit issues don't rule you out.
Ready to Get Behind the Wheel?
Start your online application today. It only takes a few minutes and there's no obligation.
Normal lending criteria, fees, and terms & conditions apply.