Rating based on 29 reviews

Auto Finance Direct


  • Low-interest starting from 16.95%
  • Car loans up to $15,000
  • Repayment up to 4 years

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Auto Finance Direct homepage

Author Auto Finance Direct. Screenshot of Auto Finance Direct website. [Accessed May 23, 2018]

About Auto Finance Direct

At Auto Finance Direct they see you as an individual and will do everything they can to offer you the car loan you need to get back on the road quickly and effortlessly.

Flexible and transparent vehicle finance

As one of the leading vehicle financers in the country, they know that they have a duty to keep fees to a minimum and interest rates as low as possible. If you want to deal with a flexible, reliable, and transparent lender that is nothing like your local bank then Auto Finance Direct is it!

What Auto Finance Direct can offer you

While banks and traditional lenders have unreasonable expectations and lending requirements Auto Finance Direct offers you a wide range of vehicle finance options that are designed to work for you. Whether you have good credit or bad, are buying your first or third car - they can offer you the finance you deserve.

Vehicle finance with no paperwork

Not only do they remove the ever-frustrating task of having to go through piles and piles of paperwork when you're applying for a car loan, but they take it a step further by also taking care of the paperwork that comes when you are purchasing your vehicle.

So, they'll take the liberty to prepare the necessary paperwork as well as communicate directly with your dealer until your car is in your possession. This is just one of the many ways they try to simplify your car buying experience throughout the entire process.

What Auto Finance Direct can offer you

Although Auto Finance Direct offers vehicle finance from $8,000 to $15,000, alternative loan amounts may be considered depending on your individual financial status and needs.

Their loan terms range from 1 to 4 years and they offer a 24-hour fast loan turnaround time. You can apply for a loan online or through one of their nationwide dealers in just minutes.

Quick and easy vehicle finance deals for you

Auto Finance Direct is based in Auckland but offers a nationwide service through their website where customers can apply for a car loan in almost no time.

If you're looking for a lender that understands you and will work with your unique set of needs and circumstances, they're the car finance company for you.

Flexible loan terms and lending criteria

They have a highly flexible approach when it comes to altering their car loan terms to meet your needs. With them, you will be informed throughout the car loan application process. This flexibility and transparency are rare amongst their competitors and is certainly not something that people take for granted when they need good car finance.

A lender you can count on

Their professional and friendly service is something that they take a lot of pride in. Thousands of customers can vouch for this. Therefore, if you need any assistance with completing your application, their team is always ready to answer your questions and to get you the car loan you need for your dream car.

Auto Finance Direct Product Details

  • Loan Type Car loans
  • Interest Rate from 16.95%
  • Loan Amount up to $15,000
  • Repayment 12 months to 4 years
  • Decision 24 hours

Auto Finance Direct has made it quick and easy for you to get your loan approved

In less than 20 minutes, you can complete your car loan application. The process is as straightforward as possible, ensuring that you can get through it in one sitting.

They might ask you to provide additional information, but this is so that they can have all the information they need, to give you a quick decision. You can also call them if you would like to apply over the phone.

The typical basic things they might ask you for:

  • Your ID
  • Residential address
  • Details of your income and expenses

Their convenient application process:

Step 1:

Complete your car loan application in a swift few minutes. Here you will need to confirm personal details as well as financial details.

Step 2:

They will provide you with an answer shortly after. This answer will also confirm the amount of loan they are willing to grant you as well as the interest rate you qualify for and is determined by your affordability.

Step 3:

Once approved, they will also go the extra mile of handling everything between you and one of their trusted car dealers to make things even smoother for you, meaning that you won’t have to struggle, on your own with piles of paperwork.

The best car loan deal awaits you

With years of experience and strong relationships with their dealers, they know the industry inside out. This puts them in the position of getting you the very best deal in terms of amount, interest, and term. Apply with a lender that does everything for you, while they get you the best of the best.

Benefits of an Auto Finance Direct car loan

  • You can enjoy a super-fast online application process.
  • They will do all the hard work for you.
  • Simplicity and transparency.
  • A lender you can count on.
  • Obtain the best interest rates on your car loan deal with them.
  • Well-educated and informed staff with high levels of experience offering second-to-none customer service.

Customer Reviews & Testimonials

January 2020

I was more than happy with the loan I got. I'll definitely be using AFD again if I need another car loan in the future.

Katie W
— Tauranga —

February 2020

Honestly couldn't have asked for a better lending experience.

Mia T
— Auckland —

March 2021

I literally only took minutes to complete my application. It was just so easy and not complicated at all!

Isla Y
— New Plymouth —

February 2021

Convenience, convenience, convenience, it’s all I want to say.

Jones W
— Hamilton —

September 2021

They made everything so very easy and simple I had my car in less than 2 days.

King E
— Nelson —

January 2022

Such a great company, they go more than just the extra mile for their clients.

Williams E
— Auckland —

Auto Finance Direct Contact Details

Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 08:30 – 17:30
  • Saturday 09:00 – 16:00
  • Sunday 09:00 – 16:00