Car finance, made simple.

Apply online in about 5 minutes. We'll match you with the right lender and come back to you with your options, usually within one business day.

5 minonline application

Up to 60 monthsflexible terms

No obligationto accept an offer

Vehicle finance

Drive away sooner with finance that fits.

We work with trusted NZ lenders to find a repayment plan that suits your budget, so you can focus on choosing the right car.

Choose your carPick any car from our stock. The weekly estimate is shown on every listing.
Apply in minutesA short online application. We'll come back to you quickly with your options.
Sign and driveOnce approved, sign your paperwork and pick up your car.

Fast, simple application
Flexible terms up to 60 months
Weekly, fortnightly or monthly
Finance on any car in stock

Repayment estimator

See roughly what your repayments could look like.

Vehicle price ($)

Deposit ($) Term

Estimated weekly repayment$—at an example rate of 13.95% p.a.

Apply for finance

Estimate only, not a quote or offer of finance. Your actual rate, fees and repayments depend on lender approval and your circumstances. Terms, conditions and lending criteria apply.

Our finance partners

What you'll need

Have these handy to speed things up. You can still apply without them.

Photo ID

NZ driver licence (full, restricted or learner) or passport.

Proof of income

Recent payslips, or bank statements if you're self-employed or on a benefit.

Bank statements

Usually the last 3 months, showing income and regular spending.

Proof of address

A recent bill or bank letter showing your current address.

Step 1 of 3

About you

First name * Last name * Email * Mobile * Date of birth * Residency status * Driver licence * Living situation * Home address * Time at this address *

Step 2 of 3

Work and income

Employment type * Employer / business name Job title Time in this job * Your income after tax * Paid * Rent / mortgage (per week) Dependants How would you describe your credit history? *

Step 3 of 3

The car and the loan

Car you're interested in Approx. amount to borrow * Deposit available Preferred term Repayments Trade-in? Best time to call Anything else we should know? I confirm the information is true and correct, and I authorise Elite Car Sales and its finance partners to collect and use it, and to carry out a credit check, to assess my finance application, in line with the Privacy Act 2020. *

Finance FAQs

Will applying affect my credit score?

Sending us this form doesn't. If you go ahead, the lender will run a credit check, which is recorded on your credit file.

Can I get finance with bad credit?

Often, yes. Our partners consider a range of situations, including past defaults. Tell us honestly in the form and we'll find the best fit.

Do I need a deposit?

Not always. Some approvals need no deposit, but a deposit or trade-in can lower your repayments and help approval.

Can I apply if I'm self-employed or on a benefit?

Yes. You'll usually need bank statements or IRD/accountant records instead of payslips.

How long does it take?

The form takes about 5 minutes. We usually come back to you within one business day, and once approved you can often pick up your car within days.

Can I pay it off early?

Most loans allow early repayment. Your lender will explain any early repayment costs in your loan contract.

Finance is provided by our third-party lending partners and is subject to their lending criteria, approval, terms, conditions and fees. Elite Car Sales does not provide financial advice. Repayment figures on this site are estimates only.