Rating based on 75 reviews

Finance Now

  • Car finance up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 5 years

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Finance Now homepage
Author Finance Now. Screenshot of Finance Now website.
[Accessed March 6, 2023]

About Finance Now

Obtain a simple and easy car loan to get your dream wheels on the road.

Finance Now has been assisting thousands of New Zealanders with the greatest financial services and products for more than 20 years now. They have a variety of products available to suit your needs, from personal to car finance (secured or unsecured) to business solutions.

When it comes to approving vehicle finance, they are different from your normal high-street banks. They base their decisions on your ability to pay and previous credit history and not just on the security you can provide.

Competitive car loan quickly and easily

Whether you are planning on upgrading to a family car or getting your very first wheels, they will help you find a financial solution specific to your needs. The great part is that you can have cash in hand before you go to the dealer to choose and negotiate the perfect car deal – this makes it so much easier.

They have a great support team that is highly experienced and ready to answer any questions you might have; the best part is that Finance Now is a local company owned and operated 100% by Kiwis. You can either call them or you can choose to submit an online application if you prefer to get assistance over the phone.

Finance Now Services

Finance Now is the right place to get the very best deal with competitive rates when it comes to car finance.  

Their car loans are personalized for every budget whether it is a sports car, family wagon, or people mover. You can apply online now in just a few minutes and the application form is so easy to complete. As soon as you've finished, they will let you know if you've been approved and contact you to arrange payment and the completion of the contract –it’s as easy as that.

Quick Loans – for unexpected emergencies

Have a financial emergency? You can borrow up to $20,000 over 6 to 60 months. Enjoy easy repayments either weekly, fortnightly, or monthly.

Credit cards – flexible finance options

They have 3 great credit cards to choose from that will provide you with more financial flexibility, options, and rewards.

Reach your business goals with Finance Now

They have a wide range of business finance available that covers items such as office automation equipment, point of Sale and Eftpos equipment, technology and computer equipment, refrigeration equipment, office furniture, and kitchens.

Finance Now – Car loan

  • Loan Type Car finance
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Finance Now

  • Affordable car loans
  • Competitive interest rates
  • Flexible repayment terms

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Finance Now is your car loan one stop shop in New Zealand

Register and join for free for you to send and receive texts for free, set up payment reminders, review payments, print statements, update your contact details, enjoy a fast approval process, receive special offers, and more.

Applying for a car loan at Finance Now 

Step 1: It is as easy as taking a few minutes to answer a few questions online, they will then let you know if you’ve been conditionally approved.

You will have to answer the following questions: 

  • Who you are
  • Where you live
  • Contact details
  • Where you work
  • What you own
  • What you are paying off
  • ID
  • Next of kin

But before you complete the online loan application, make sure that you meet their initial application criteria:

  • You must be an NZ Citizen or a permanent resident and currently live in New Zealand.
  • 18 or older.
  • Have a fortnightly or monthly income.
  • Current proof of identities such as a passport or a driver’s license).

Step 2: Online Pre-approval confirmation

Step 3: A loans consultant will be in contact with you to confirm that all the details you provided are correct and arrange a time to complete the loan documents.

Step 4: Confirmation of your bank account details

Step 5: The loan payment is deposited into your account!

Benefits of getting your vehicle finance with Finance Now

  • Have the cash in hand before going to the dealer
  • Choose the car of your dreams, without them having to agree with your choice
  • Get competitive interest rates and fees
  • Repayments terms that will suit your budget
  • Repayments can be made weekly, fortnightly or monthly
  • Tailor-made loans to suit your needs
  • Choose between secured and unsecured loans

Customer Reviews & Testimonials

Very impressed by the service provided, I was able to buy a car from a private seller. Not many companies grant loans if they’re for vehicle purchases from a private seller.

Grace W.
— Dunedin —

I was approved the afternoon already and the payment took four days to reflect, which really isn’t long at all, but not the best either.

Jen T.
— Whanganui —

I’m so glad I found a loans company that offers loans for private seller vehicle purchases instead of only allowing finance for dealership cars.

Abbie M.
— Gisborne —

Finance Now Contact

Physical Address

  • 114 Dominion Rd, Mount Eden Auckland Auckland Region 1024 New Zealand
  • Get Directions

Postal Address

  • PO Box 1204, Invercargill, 9840, New Zealand

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed