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We all want a reliable car to get us to work, get the kids to school and get us to our weekend activities but we don't all have the funds to buy one.

An Instant Finance Car Loan can help get you on the road in a ride that suits all lifestyles.

We make borrowing money to buy a car easy, so if you're thinking about car finance in NZ, talk to us first about being a cash buyer on the yard. We can even introduce you to Easy Driver, a sister company of Instant Finance.

What type of car are you looking for?

Family SUV

Looking for something to move the whole family around in style? A safe and stylish SUV starts at around $10,000 and holds its value well too.

Compact Hatchback

If you're looking for something a little more compact, a hatchback will do just the trick! Starting at around $6,000 you can get from a to b safely.

Family Sedan

With room for the family and the dog, a family-sized sedan is a perfect runabout. Starting from around $8,000 and up, you can choose the car the suits your needs.
Apply now!

We're confident Easy Driver has:

  • Over 100 quality vehicles in stock
  • If not, they will find the vehicle you're looking for 
  • A No Excess Easy Drive Warranty available
  • No deposit car finance available to approved purchasers
  • Product and service we trust 
  • Flexible options when it comes to vehicle loans, dependent on the credit history of the borrower

Have a play with our vehicle loan calculator to see an estimated loan amount for repayment over a specific loan term or talk to our helpful team to find out more about our extensive vehicle loan options.

 

You can continue an application you started previously.

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Loan Calculator

How much would you like to borrow?

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Fortnightly
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Weekly
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Includes Establishment fee from $100 to $260 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 13.95% to 29.95%. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
Loan Calculator

How much would you like to borrow?

Monthly
$
Fortnightly
$
Weekly
$

Total repayable based on weekly instalments. $

Apply now

Includes Establishment fee from $100 to $260 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 13.95% to 29.95%. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees

Things to look out for when taking out a car loan

We work with Easy Driver to make sure that you have the best options, but here are a few things to look out for when you're taking out car finance in NZ.

  • Deposit and Repayments. Understanding your car finance terms will help you plan exactly what you can afford. Instant Finance offer car loan packages that include no deposit so you can choose a quality car, easier.
  • Protect yourself with insurance! Slip-ups happen, so whether it’s protecting yourself from a stone chip or something more serious, vehicle insurance will help protect your car and your car loan.
  • Car warranties. Wherever you purchase your car from, take note of the warranty on offer to give you peace of mind. Easy Driver offers a best in class, nil excess warranty for 12 months or up to 30,000kms (whichever comes first!).

 

Concerned a bad credit score or past finance may affect you when applying for a car loan?

We know that things don't always go to plan, but we're here to help. As a responsible lender, we listen to your unique circumstances and can make car finance decisions that are both responsible AND fair for you. Find out more about getting bad credit car loans.

Our knowledgeable and friendly staff are here to help too and will take the time to understand your current financial situation. From there, our team can establish the best option for you and even help you plan a household budget to make sure you stay on top of your loan repayments.