Same day car finance

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 installments – 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.

We sure do! Here at Portage, we want to help you squeeze every last dollar out of your old car, so we offer trade-in deals that will help fund your new set of wheels. We provide a free, no-obligation trade exchange valuation, which we guarantee for up to 7 days. Our expert valuers are on hand to ensure you get the best price for your old car. Find out more about our car trade-in process.

Portage Cars is well and truly your local! We have car dealerships up and down the country, meaning you’re never too far from a deal. Visit our locations page to find a Portage Cars branch near you.

While the individual cars are not specifically AA-approved, Portage Cars is an AA-approved dealer. This means we have been certified by AA to meet their quality standards. Buying a used car from an AA-approved dealership like ourselves will mean that our inspectors have thoroughly checked your car to ensure it’s roadworthy and ready for its new journey. 

Our staff are experts at matching drivers with new cars. Before hunting down the perfect car, we’ll start by asking you for extra information on your wants and needs. Everyone should have a car that matches their personality and lifestyle, and with Portage Cars, that’s exactly what you’ll get.

While standard vehicle insurance might cover theft and damage from accidents, mechanical breakdown Insurance (sometimes known as engine breakdown insurance) can cover mechanical faults and repairs, like steering problems, engine repairs, electric battery replacements, or auto-electrical issues. However, it’s important to note mechanical insurance will not cover standard wear and tear issues. Visit our car insurance policy page to learn more.

If labour and parts costs are under your mechanical breakdown insurance policy, then yes, both would be covered. The Portage Cars car insurance policy includes most parts, and larger mechanical parts and labour are fully covered.

An excess is the amount that you contribute to a claim. If you make a claim and it’s accepted, your insurer will pay the repair or replacement costs over your excess amount. Each excess could be different depending on the fault. Usually, excess costs will fall between $250-$100, depending on the policy.

Our car insurance policy will cost anywhere between [for 3 years $795 to $1695 ] depending on the vehicle and your chosen level of coverage. If you have any questions about our mechanical warranties and what option is best for you, drop our team a line, and we’ll be happy to help.

It sure can! One of our staff will be in touch before your current car insurance policy expires to discuss your extension options. You can extend your policy weekly, monthly, or fortnightly.

When you come in to collect your new car, we’ll just need a few things from you so we can make handover nice and smooth. Please bring along valid photo ID, your driver’s licence, any remaining payment if it hasn’t already been completed, and any relevant finance documents if applicable.

We know how excited you’ll be to collect your new wheels. Head into the dealership you bought it from and it’ll be waiting for you.

When paying for your new car, you can either pay on the day you pick it up or pay before pick up. However, we will need proof on the day of your prior payment. 

If you are financing your new car, you need a comprehensive insurance cover letter before driving away. However, if you purchase it outright, you won’t require any form of insurance, but we highly recommend organising it beforehand. You never know when an accident could happen.

If you’re concerned there may be a mechanical issue with your vehicle, please contact the salesperson who sold it to you first. They’ll talk you through what’s happening and help guide you on the best next steps.

If you’re unable to reach them, please contact the dealership you purchased the vehicle from and the team will be happy to assist. We’re here to help make sure any issues are looked into as quickly and smoothly as possible.

Yes – we offer a range of affordable warranty options to help give you extra peace of mind. You can choose from one, two, or three years of additional cover, so you can drive away with added confidence knowing you’re protected if the unexpected happens.

Your salesperson is the best person to speak to first. They should have shown you through your vehicle’s main features before handover, but if there’s anything you’re unsure about afterwards, they’ll be happy to help.

If you’re unable to reach your salesperson, the dealership manager is the next best point of contact. You can find their details on our location pages.