No Deposit Car Finance NZ – Fast, Flexible & Friendly

Looking for a car but don't have cash upfront? At Dave Allen Motors, we help drivers across Hamilton, Waikato, and throughout New Zealand get into quality vehicles with $0 deposit — fast!

We make no deposit car finance accessible, even for first-time buyers or those with limited savings. Our car loan solutions are available to approved customers across the North Island and beyond.

No deposit car finance means you don’t need to have money saved to purchase your next vehicle. Whether you're just starting out, switching jobs, or saving for something else, we make it simple to get moving with $0 deposit.

Our team works with a wide range of finance companies to find the best solutions that suit your budget. We look at more than just your credit score, and we’ll guide you every step of the way.

✅ Do I need a deposit to buy a car?

No. Many of our customers are approved with no cash deposit's.

✅ 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.

✅ Can I apply online for no deposit car finance?

Yes! You can complete our finance application form online in just a few minutes. It’s 100% secure, and the fastest way to get pre-approved, no paperwork required.

✅ What documents do I need to apply?

You’ll need a valid NZ driver’s licence, proof of income (like a recent payslip or bank statement), and proof of address such as a utility bill.

✅ Can I get pre-approval before choosing a vehicle?

Yes, we can help you get your finance pre-approved before you have picked out your next car. This gives you confidence while looking for your car and can speed up the purchase process.

Still have more questions? See our full car finance FAQ page here