Find affordable Commercial Finance and let Portage Cars help drive your business further.
Hassle Free Finance Application
You can apply for finance using our simple online application or visit our multi-award winning Finance Advisors in our showrooms who will guide you through your application.
They understand your business and will gladly discuss your needs. If everything’s in order an agreement could be reached.
Driving is Your Living
We understand that a car’s more than just a way to get around – It’s your livelihood. We know this because we’re one of the few car supermarkets that offer commercial finance.
We’ll take extra care to offer you the best payment plans. We offer flexible terms, from 12 to 60 months. Not to mention fixed monthly payments to help you manage your cash flow.
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 (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.
Locations
All our locations are
AA preferred dealers
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.