No Deposit Car Finance NZ – Fast, Flexible & Friendly
Looking to buy a car but don’t have a deposit saved? No problem. At Dave Allen Motors, we specialise in no deposit car finance — helping everyday Kiwis get behind the wheel with fast approval and flexible terms.
❓ Can I Get Car Finance with No Deposit?
Yes — in many cases, you can finance a vehicle without paying anything upfront.
We understand not everyone has cash saved, especially when life moves fast. That’s why we work with the best finance compaines in NZ to offer finance solutions with no deposit required — even for first-time buyers or those with previous credit issues.
💡 What Does “No Deposit” Actually Mean?
- You don’t need to pay anything on the day
- You can use your current car as a trade-in
- You can apply without a cash deposit
- We may even help if you still owe money on your old vehicle
Sometimes, using a deposit helps lower repayments — but it’s not always required.
🔎 Responsible, Transparent Lending
We look at your full financial picture:
- Income and living costs
- Affordability and future expenses
- Credit history (yes, even if it's not perfect)
Our team will work with you to match the right lender to your needs — whether you're just starting out, self-employed, or rebuilding your credit.
📄 FAQs About No Deposit Car Loans
✅ Do I need a deposit to buy a car?
No. Many of our customers are approved with no cash down.
✅ Can I use my trade-in as a deposit?
Yes. Even if there’s still finance owing on your trade-in, we can usually help.
✅ Can I get finance with bad credit?
Yes, depending on your situation. We work with multiple lenders and look beyond just your credit score.
✅ How fast is the approval process?
You can apply in minutes and get pre-approved the same day in most cases.
👍 Why Choose Dave Allen Motors?