0800 227 000
5 Norris Ave, Te Rapa, Hamilton
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About Car Finance In NZ

Car Finance NZ – Everything You Need to Know

Need car finance in NZ? Whether you are upgrading your vehicle or buying your first car, understanding how car finance works is the key to making a smart purchase. At Dave Allen Motors, we make it easy to finance your next car with flexible, low-deposit and no-deposit options tailored to your lifestyle and budget.

🔍 What Is Car Finance?

Car finance is a way to purchase a vehicle by paying it off over time rather than all at once. A finance company covers the cost upfront, and you repay the loan through manageable weekly, fortnightly, or monthly instalments, usually between 2 - 5 years. Finance options may include:

  • Secured car loans – The car is used as collateral.
  • Unsecured personal loans – Based on your creditworthiness, no security is needed
  • No deposit car loans – Drive away without any upfront payment.

✅ Why Finance with Dave Allen Motors?

  • No deposit finance available
  • Fast approvals – often within the same day
  • Competitive interest rates
  • Workable terms to suit any budget (up to 60 months)
  • We accept learner licences and self-employed applications (TAP)
  • Trade-ins welcome (even with existing finance)
  • When you finance with us there are NO early settlement fees.

💡 How the Car Finance Process Works

  1. Get pre-approved online with our simple finance application form
  2. Or phone us during business hours on 0800 227000 & speak to one of our Business Managers
  3. We help you choose the best finance terms and vehicle
  4. Sign the agreement and drive away in your new car

We guide you through every step, from application to approval, ensuring a stress-free experience.

🚗 Real Customer Experiences

"I was approved in less than 24 hours and didn’t need to pay a cent upfront. The team explained every detail clearly. Highly recommend"

Mike W. - Hamilton
"Dave Allen Motors made financing easy, even though I’m self-employed. Approved up to $20k with affordable repayments"

Renee L. - Waikato

📈 Budget Smarter With Our Car Loan Calculator

Use our Car Loan Repayment Calculator to estimate your monthly repayments before you commit. Play with deposit amounts, terms, and interest rates to see what works for you.

❓ Frequently Asked Questions

What credit score do I need for car finance?

We work with a wide range of credit profiles, including those rebuilding their credit. Approvals are based on affordability, not just credit score.

Can I get finance with no deposit?

Yes. We offer no deposit options, just apply here to get started.

How long does it take to get approved?

Most applications are approved within 24 hours. Some on the same day.

Do I need to buy a car from your yard?

We specialise in financing vehicles from our own stock of over 250+ cars, giving you quality, inspected options with financing included.

📍 Apply for Car Finance Now

Apply Now – Get Pre-Approved in Minutes

 

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