Rating based on 29 reviews

Car Loans offered by Auto Finance Direct

Auto Finance Direct banner
image of Auto Finance Direct

About Auto Finance Direct

Do you have poor credit? Are you worried that your bank won't offer you the finance you need to buy a car?

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

Flexible, reliable and transparent

As one of the leading vehicle financers in the country we know we 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 - we can offer you the finance you deserve.

Loans from $8,000 to $15,000

At Auto Finance Direct we offer vehicle finance from $8,000 to $15,000 although alternative loan amounts may be considered depending on your individual financial status and needs. Our loan terms range from 1 to 4 years and we offer a 24 hour fast loan turnaround time. You can apply online or though one of our nationwide dealers in just minutes!

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 months

0 years

In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration

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

Auto Finance Direct is based in Auckland but offers a nationwide service through our website where customer can apply for a loan in just minutes.

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

Flexible loan terms and lending criteria

We are highly flexible when it comes to altering our loan terms to meet your needs and will keep your informed throughout the car loan application process. This flexibility and transparency is rare amongst our competitors and is certainly not something that people take for granted when they need good car finance.

No paperwork

Not only do we remove the ever frustrating task of having to go through piles and piles of paperwork when you're applying for a loan, but we take it a step further by also taking care of the paperwork that comes when you are purchasing your vehicle. So we'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 we try to simplify your car buying experience throughout the entire process.

Apply in less than 20 minutes

In less than 20 minutes, you can complete your car loan application. We've made the process to be as straightforward as possible, ensuring that you can get through it in one sitting. We might ask you to provide additional information, but this is so that we can have all the information we need to give you a quick decision. You can also call us if you would like to apply over the phone.

You can count on us

Our professional and friendly service is something that we take a lot of pride in and which our customers can vouch for. Therefore if you need any assistance with completing your application, our team is here to answer your questions and to get you the loan you need to finance your vehicle.

Eligibility & Requirements

  •  Full or restricted drivers license
  •  Stable address history
  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  30 day bank statements
  •  Valid identity document
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)

Other Products & Services

  • Car Finance / Loans

Customer Reviews & Testimonials

January 2019

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 2019

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

Mia T
— Auckland —

March 2019

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

Isla Y
— New Plymouth —

 Find us here

Level 2, 4 Newton Rd, Auckland
New Zealand

 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

 Get in contact

Similar Lenders offering Car Loans

AA Finance

AA Finance

  • Interest from 9.95%
  • Starting from $5,000
  • Term up to 5 years
View More
Finance Now

Finance Now

  • Interest from 15.21%
  • Loans up to $20,000
  • Term up to 5 years
View More
MTF Vehicle Finance

MTF Vehicle Fin...

  • Interest from 12.95%
  • Loans up to $100,000
  • Term up to 48 months
View More
Yes Finance

Yes Finance

  • Interest from 11.95%
  • Loans up to $50,000
  • Term up to 48 months
View More