Fill out the Quick Application* form or the full online application for approval.
1 – 2 minutes to complete form
15 – 20 minutes to complete form
Portage Cars partner with NZ’s top lenders and support you in finding the best car finance.
We understand that taking out finance can sometimes feel complicated and daunting. We keep things simple with no obligation car finance. You can arrange your finance before you’ve even found your car. If you have already found your perfect car, great! Simply tell us in the application and based on your personal circumstances, let us do the rest.
Have a question? Call our friendly team on 0800 554 676. Our helpful finance advisors are on hand 7 days a week to put your mind at ease.
Want a rough estimate (not an offer of finance) use our
Finance calculator here.
Car Finance that Keeps You in Control
Whatever your budget, our finance rates are competitive and fixed for the duration of the agreement. We offer flexible terms ranging from 12 to 60 months. Your standard monthly payment will never change. And because the loan is secured on the vehicle, your other credit needs are left undisturbed. It’s all about keeping you in control.
*Plus with our flexible deposit options and depending on your personal circumstances this could start from as little as 0% deposit.
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
Complete our Simple Online Application
Arrange your finance before you’ve even found your car. Our online application makes the process of applying straightforward. And, if you have already found your perfect car, simply tell us about the car and based on your personal circumstances let us do the rest.
Find Your Perfect Car
Browse our website to find your perfect car. We’ve up to 350 cars in stock so search today and book a test drive online. Then visit Portage car where our finance advisors are on hand 7 days a week, or call us direct prior to your visit to put your mind at rest.
Confirm and Drive Away Happy
Once you’ve found your perfect car and your finance has been agreed then all there is left to do is drive away in your perfect car. Pending your personal circumstances and the car of your choice we may be able do this for you all in one day.
NZ’s Leading Finance Partners
We partner with some of the NZ’s leading finance partners such as Marac, UDC, MTF, Branded Financial Services and FinanceNow – so you can be confident that you are in safe hands.
Understand Your Budget
At Portage Cars, we understand that it’s hard to know what you can afford before applying for finance. With our online finance application, the process is straightforward which leaves you free with getting on with finding your perfect car.
Peace of Mind Expertise
Portage Cars assists in getting right finance for your circumstances. Why not drop in or call us for a chat about the available finance packages based on your personal circumstances.
You Set Your Budget
We compare products from some of the NZ’s top lenders based on your personal circumstances. Simply tell us what you feel comfortable paying a month based on your income and your current outgoings.
Finance Calculator
Choose Term(Monthly)
Estimated Payment
Our Reviews
Danielle Campbell
Nargery Banta
I had a fantastic experience with Portage Cars Christchurch. From start to finish, the entire process was smooth, transparent, and stress free. John was very professional, friendly, and genuinely cared about helping me find the right car. He explained eveything clearly and made the whole transaction quick and easy. I truly appreciate his honesty and great customer service. Its rare to find a dealership that values customer so much. I highly recommend Portage Cars Christchurch to anyone looking for a great car buying experience.
Kiera Lewis
We’ve just bought a car from Portage Cars today and have been delighted with our experience! Sam was so kind, welcoming and helpful and made our first purchase of a car in New Zealand seamless and enjoyable. We viewed the car in the afternoon and drove out with it same day – really impressed and couldn’t fault it!! Would 100% recommend, thanks again Sam and team 😊
FAQs
Portage Cars offers competitive car financing and plenty of resources for understanding what you’ll be getting into. You can visit our vehicle financing page and use our finance calculator to gauge how much it will cost you and apply through our easy online application. For any additional questions, check out our car finance blog or give one of our staff a ring.
Vehicle financing allows you to purchase a car through borrowed money to soften the blow of upfront costs. You then pay back the money in manageable instalments, either weekly, monthly, or fortnightly. Vehicle financing is a great way to get the wheels you need when you need them.
The deposit amount you pay with Portage can vary depending on your credit criteria and status. You may even be able to pay no deposit at all! However, a bigger deposit will mean you’ll pay less interest over your term.
Our finance rates are as low as 11.95% , depending on your driver’s license status and credit history. These rates are reflective of the climbing OCR in New Zealand.
If your credit history has seen better days, gaining approval will be more difficult but not impossible! You’ll need to provide some extra information and history behind your poor credit, and the interest rate will also be higher. However, our expert team will work with you to find a financial pathway that works for you.
Portage Limited is registered in New Zealand with company number: 01407612. Registered office for Portage Cars : 8 Portage road, New Lynn, Auckland Portage acts as a credit intermediary and only offers credit products from a number of carefully selected lenders Including Barclays and Blackhorse who may pay us for introducing you to them. Portage is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 307782. Finance is available subject to status, to UK residents aged 18 years and over. Indemnities may be required. Conditions may apply depending on credit score status.