Rating based on 1,678 reviews
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!
From 0 %
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.
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
- 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
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.
— Tauranga —
Honestly couldn't have asked for a better lending experience.
— Auckland —
I literally only took minutes to complete my application. It was just so easy and not complicated at all!
— New Plymouth —
- Level 2, 4 Newton Rd, Auckland, Auckland, 1010, New Zealand
- 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