Looking for car finance in New Zealand? We get it – you’ve finally found your dream car, but sorting out finance can feel like a bit of a mission. At Portage Cars, we make car finance simple, straightforward, and stress-free. Whether you need vehicle finance for a reliable family car, personal car loans for your daily commute, or car loans in NZ with a less-than-perfect credit history, we’ve got your back.
We work with many of New Zealand’s leading finance partners to find the right solution for your situation. That means competitive rates, flexible terms from 12 to 60 months, and genuine support from our friendly team who are here seven days a week. Better yet, you can apply for car finance before you’ve even found your perfect car – or if you’ve already spotted something you love in our extensive car range, we’ll help you get the keys faster.
Need bad credit car finance in NZ?
Don’t stress. We specialise in helping Kiwis with all kinds of credit situations get approved. Our finance advisors will work with you to find a pathway forward, because we believe your credit score doesn’t tell your whole story.
Ready to get started?
Apply online using the form below, get an estimate of your repayments using our finance calculator, or give our team a call on 0800 554 676. No pressure, no hassles, no worries – just friendly advice to help you get on the road.
1 – 2 minutes to complete form
15 – 20 minutes to complete form
How Car Finance in NZ Works with Portage Cars
Sorting car finance doesn’t need to be complicated. Portage Cars partners with New Zealand’s leading lenders – including Marac, UDC, MTF, Branded Financial Services, Oxford , CFS Finance and FinanceNow – to find you the best vehicle finance deal for your situation.
Whether you’re after personal car loans, need bad credit car finance in NZ, or just want competitive car loans with flexible terms, we compare options across multiple lenders so you don’t have to.
Here’s what makes vehicle finance with Portage Cars different
Get pre-approved first, shop later
Arrange your car finance before you’ve even found your perfect car. Know your budget, then browse with confidence.
Already found your dream car?
Even better. Tell us about it in your application and we’ll sort the vehicle finance based on your personal circumstances.
No obligation, no pressure
Get a quote, see your options, and decide in your own time. Our finance advisors are here to help, not hassle.
Want to crunch the numbers first?
Use our finance calculator to get a rough estimate of your repayments. It takes 30 seconds and doesn’t affect your credit score.
Questions?
Our friendly team is available seven days a week on 0800 554 676 to talk you through your car finance options.
Why Choose Our Vehicle Finance & Personal Car Loans?
When you get car finance in NZ through Portage Cars, you stay in control.
From flexible repayment terms, bad credit car finance options and fixed repayments that work for your budget, we keep our customers at the heart of what we do.
Maybe you’ve already found your dream car with us or you’re still looking.
Whatever your situation, here’s what you can expect when you choose Portage for your car finance.
- 0% deposit available*
Depending on your circumstances, you may be able to drive away with little to no deposit on your personal car loan. The more you put down, the less interest you’ll pay – but we’re flexible. - Fixed rates, fixed payments
Your car finance rate is locked in for the entire agreement. No surprises, no rate jumps – just the same predictable monthly payment from start to finish. - Flexible terms from 12 to 60 months
Whether you want to pay off your vehicle finance quickly or prefer lower monthly payments stretched over a longer term, we’ve got options to suit your budget. - Keep your other credit clear
Because your car loan is secured against the vehicle, your other lines of credit stay undisturbed. Need a mortgage or business loan down the track? Your vehicle finance won’t get in the way. - Bad credit car finance options
Had a few bumps in your credit history? We work with lenders who specialise in bad credit car finance in NZ. We’ll be straight with you about what’s possible and help you find a pathway forward.
*Deposit requirements vary based on credit history and vehicle. Speak with our team to find out what’s right for you.
Portage Cars have partnered with some of NZ’s leading finance partners, so you can be confident that you are in safe hands.
Car Finance in 3 Steps
Apply for Car Finance Online
Takes just 2 minutes
Fill out our simple online application from your couch, your lunch break, or wherever suits you.
No car yet? No worries
Get pre-approved for vehicle finance first, then shop with confidence knowing exactly what you can afford.
Already found your perfect ride?
Just tell us about the car in your application and we’ll tailor your personal car loan to match. Based on your circumstances, we’ll handle the rest.
Start Your Application → or Use Our Calculator First →
Find Your Perfect Car
Browse 600+ quality used cars
From zippy city runabouts to solid family wagons, we’ve got something for every Kiwi driver. All our vehicles are AA-certified for your peace of mind.
Book a test drive online
Found something you like? Book your test drive in seconds and come check it out at one of our seven locations across New Zealand.
Get expert advice
Our finance advisors are on hand seven days a week at any Portage Cars showroom. Have questions about your car finance or vehicle finance options? Call us on 0800 554 676 before your visit – we’re here to help, not pressure.
Search Our Cars →
Drive Away (Yep, Maybe Even Today)
Same day approval available
Once you’ve found your perfect car and your car finance is approved, all that’s left is the fun part – driving away in your new wheels.
Same day settlement possible
Depending on your personal circumstances and the vehicle you choose, we can often get you on the road the very same day. Yes, really.
All sorted in one place
Car finance, insurance, trade-in, and your new car – we handle it all under one roof so you can get back to what matters.
Ready to get started? Call 0800 554 676 or apply online now to get your car finance sorted today.
Multiple Lenders, Better Deals
We work with New Zealand’s top lenders including Marac, UDC, MTF, Branded Financial Services, Oxford Finance, Community Financial Services and FinanceNow. Whether you need vehicle finance, personal car loans, or bad credit car finance in NZ, we compare options across multiple lenders to find you the best deal
Know Your Budget Before You Go
Not sure what you can afford? That’s totally normal. Our online car finance application helps you understand your budget before you start shopping. Get pre-approved, know your numbers, then find your perfect car with confidence.
Real People, Real Help
Our experienced team helps hundreds of Kiwis secure car finance every month. Need help navigating vehicle finance or personal car loans? Drop into any of our seven showrooms or call us on 0800 554 676 for a no-obligation chat about your options.
Your Budget, Your Call
You tell us what you’re comfortable paying each month. We’ll search car loans across NZ’s top lenders to match your income and commitments. Simple as that – you set the terms, we find the finance.
Calculate Your Car Finance Repayments
Wondering what your car loan will actually cost? Use our vehicle finance calculator to see estimated repayments before you apply. Adjust the deposit and term to find a payment that fits your budget – no obligation, no credit check.
Finance Calculator
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Estimated Payment
Our Reviews
Andrea
Simon Ferguson
Very easy, no pressure experience buying a car. Stefan was very friendly and helpful, made the whole process really straightforward.
Aimee Wells
Go see John(sales) And Craig (manager) at portage cars! Really great to deal with and can you can guarantee they will find what best suits your needs and find a car today 🙂 would 100% recommend and shop with them again. Thank you, we Love our new ride 💛
FAQs
Car finance (also called vehicle finance or a personal car loan) allows you to purchase a vehicle by borrowing money and paying it back in regular instalments – weekly, fortnightly, or monthly. Instead of paying the full purchase price upfront, you spread the cost over 12 to 60 months with fixed repayments. The loan is secured against the vehicle, which often means better rates than unsecured personal loans.
Deposit requirements vary based on your credit history and the vehicle you’re purchasing. At Portage Cars, we offer flexible deposit options – in some cases, you may qualify for 0% deposit car finance. However, putting down a larger deposit will reduce your loan amount and the total interest you’ll pay over the term. Our team can advise what’s best for your situation.
Absolutely! Getting pre-approved for car finance before you start shopping is actually a smart move. You’ll know exactly what you can afford, which makes browsing our 600+ cars much easier. Apply online or call 0800 554 676 to get your pre-approval sorted first.
Our car finance rates are competitive and depend on several factors including your credit history, driver’s licence status, the vehicle age, and current market conditions. We work with multiple lenders to find you the best rate for your circumstances. Use our finance calculator for an estimate, or contact us for a personalised quote.
Yes! We specialise in bad credit car finance in NZ and work with lenders who consider applications from people with less-than-perfect credit histories. While you may need to provide additional information and rates may be higher, we’ve helped hundreds of Kiwis secure vehicle finance despite past credit issues. Call us on 0800 554 676 to discuss your situation – we’ll be straight with you about what’s possible.
Yes, self-employed Kiwis can absolutely get car finance through Portage Cars. You’ll need to provide proof of income (typically recent tax returns or bank statements), but we work with lenders who understand how self-employment works. Our team can guide you through what documentation you’ll need.
Yes! We offer commercial vehicle finance for tradies, small businesses, and contractors. Check out our commercial finance page for more information on business vehicle loans, or call us to discuss your commercial finance needs.