Speed up your journey to owning a vehicle with our straightforward and smooth financing solutions.
We make it simple for you to apply for your loan – just three easy steps!
We’ll help you to structure your loan repayments to suit your budget.
You can trust us to stay in touch until you drive away in the vehicle you want.
Read about why you should choose us.
Complete your application online in less than five minutes, or give us a call and we’ll talk you through it.
We’ll process your application, complete any necessary checks and be in touch if we need more information.
You’ll know within 48 hours if your loan has been approved, then you can pay for your vehicle and drive it away.
Use our calculator to find out how much you might be able to borrow, what your repayments will be and how long before your vehicle is paid off. It’s good to know where you stand before you go shopping for new wheels.
This vehicle finance calculator is provided for illustrative purposes only and does not constitute a quote or an offer of finance from Auto Finance Direct. Any calculations made by this calculator are intended to be used as a guide only, and the results are based on the accuracy of the limited information provided. Any application is subject to Auto Finance Direct’s credit approval process and lending criteria. Additional fees and charges may apply. Please read our full Application Terms.
We’ve been part of the New Zealand car finance scene for more than 15 years. Our impeccable track record means you can trust us to help you with financing your next vehicle, ensuring you can afford the repayments and getting on the road in your new wheels as fast as possible.
Our streamlined online or over-the-phone application process ensures you move towards owning your next vehicle quickly and easily.
We take time to understand your wants and needs. With us, you’ll have caring finance experts providing support every step of the way.
Our NZ-based team understands the needs of vehicle buyers. As locals, we’re committed to helping you get the car, ute or 4x4 you need.
Trust us to provide swift and precise handling of your application. Our robust checking systems ensure we’ll get back to you within 48 hours.
Yes, anyone can apply for a car loan with Auto Finance Direct, as long as they meet eligibility criteria. You need to be at least 18 years old, have a valid driver’s license and prove you can afford to repay the loan.
Applying for car finance with us is simple and quick. You can start your application online through our website or you can call our friendly team, who will guide you through the process. The application requires some personal and financial information, then choosing the best financing option for your needs.
Yes, you can use your loan from Auto Finance Direct to buy a car privately. We offer flexible loan options that can be used to purchase vehicles from both dealerships and private sellers. Please ensure the vehicle meets our eligibility criteria, which are explained in the application process.
Our vehicle finance rates vary, depending on the loan amount, term length and your individual credit profile. We strive to offer competitive rates that fit your financial situation. For more information on interest rates, please see interest rates & fees or contact our lending support team on 0800 367 233.
Yes, you have the option to cancel your finance contract within the designated cooling-off period specified in your loan agreement. After this period, cancelling the finance agreement may not be possible. To know exactly where you stand, please contact us here or call our customer support team on 0800 751 851.
It may be possible to change your loan terms, such as adjusting the repayment schedule or loan amount, subject to approval and conditions. Changes might incur fees. We recommend contacting us directly to discuss your options and any potential impacts on your loan.
Yes, you’re welcome to make additional payments on your loan at any time, to pay off your loan faster. The total interest you pay may also reduce. However, before you make an extra payment you should check with us to see if early repayment fee will apply. For specific details on how to make additional payments or restructure your loan, please contact our customer support team on 0800 751 851.
If you’re experiencing financial hardship, Auto Finance Direct are here to help. Please contact us as soon as possible to discuss your situation. You can reach us by phone, email or you can submit a Hardship Application through your AFD Customer Portal.
