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Same Day Car Finance

Portage cars partner with the NZ’s top lenders and support you in finding the best car finance.

No Obligation Car Finance

We understand that taking out finance can sometimes feel complicated and daunting. Our helpful finance advisors are on hand 7 days a week to put your mind at rest. Use our Finance calculator for an example, Apply online or call 0800 554 676.

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.

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.

Avanti Finance Logo
Oxford Finance Logo
Branded Financial Services | Powered by Avanti Finance

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.

How We Help and Support You

NZ’s Leading Finance Partners

We partner with some of the NZ’s leading finance partners such as Branded Finance, Avanti Finance and Oxford 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

Finance Calculator


Choose Term(Monthly)

Estimated Payment

Finance calculation based on a month term, no deposit and with an example annual fixed interest rate of 14.95%. Actual interest rate may be higher or lower. Includes an establishment fee of $395. Full term amount payable of . Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.

Our Reviews

Bryan Johnson

3 days ago
Chopper and his boss were very helpful in making the deal work for us! We are so happy that we chose Portage Cars Penrose

Shailendra Sharma

5 days ago

It was a pleasure buying a car from Portage cars New Lynn. We were looked after by Sajan , a pleasant young man.He was polite and thoroughly professional. We never felt pressured to make a quick decision. I test drove 3 cars and finally bought one. I gladly recommend Portage cars New Lynn if you are looking for a vehicle. They have a wide range and while you are there ask for Sajan. He will look after you.


7 days ago

The process was very smooth and even delivered my car in my address. There was a transparent communication from the seller about pricing, financing options, and any additional fees. Moreover, I’ve experienced a good customer service; they were knowledgeable, attentive, and responsive to my needs and questions. They help me completes the paperwork efficiently and accurately. Overall, they prioritized customer satisfaction and streamlined their operations to make my purchase as easy and stress-free as possible.


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 currently around 13.95% and up, 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.