How long does car finance approval take?

Most approvals happen within 24 hours. At Dave Allen Motors, many customers are approved the same day — especially when all documents are provided up front.

Can I get same-day car finance in NZ?

Yes, many customers are approved the same day depending on their application, credit profile, and supporting documents.

What do I need to get approved quickly?

You’ll need a valid NZ driver’s licence, proof of income (like a payslip or bank statement), and basic contact details.

Home » Finance » How Long Does Car Finance take

How Long Does Car Finance Take

How Long Does Car Finance Take in New Zealand?

In many cases, you can get approved for car finance **on the same day** — especially when applying with a dealership like Dave Allen Motors. The exact time depends on your documents, the time of day you apply, (we may not have an answer if you apply late in the day, until the following morning), and how prepared you are.

Our Typical Finance Timeline

Step 1: Apply Online (2–5 mins)
Use our online application form to submit your details.
Step 2: Quick Review (1–2 hours)
We check your info and send it to our lending partners.
Step 3: Same-Day Approval (subject to lender)
Most approvals are returned the same day.
Step 4: Sign & Drive
Once approved, we finalise paperwork and get you on the road!

How to Speed Up the Process

Have your **NZ driver’s licence** ready
Provide recent **income details** (payslip, bank statements, work contract)
Know how much you want to borrow

✔ You don’t need a deposit, we offer No Deposit Car Finance options too.

What Slows It Down?

Delays usually come from missing documents or incomplete information, But don't worry our team will guide you through every step.

Why Choose Dave Allen Motors?

Same-day approvals available
Over 600+ 5-Star Google Reviews
Hamilton's leading MTA Assured Dealership
Trusted finance partners across NZ
Fast, flexible terms — no pressure, no jargon

Start Your Application Now

Apply for Finance – Fast & Easy

Takes just 2 minutes. No obligation. Fast response.

⭐ Customer Review #1

"I applied in the morning and had my finance approved that afternoon, it was seriously that quick! The team made everything easy to understand and helped me every step of the way. Highly recommend Dave Allen Motors if you want fast finance with no stress."
Mark R. - Hamilton ⭐⭐⭐⭐⭐

⭐ Customer Review #2

"I was worried finance would take days, but Shellie got back to me within a few hours and I was driving my new car by the next day. Super professional, fast, and friendly. Best dealership experience I’ve had. A+"
Sophie W. - Waikato ⭐⭐⭐⭐⭐