Easy car loans for everyone.

Making car finance easier for Kiwis

At Ask For Finance, we’re finance brokers, which means we work for you. And we have access to dozens of trusted lenders throughout New Zealand so we can match you with the best car loan option for your budget and lifestyle. Plus, we’re 100% online, which means you can apply for a car loan anywhere – even on your couch at home

We work with trusted NZ lenders

Reasons to choose us for your car loan

We’re right here in New Zealand with you, keeping it local!

Zero deposit, and interest rates as low as 7.95% for your car loan repayment.

Our expert team really knows our stuff and genuinely cares about our customers.

Complete our online application form, and we’ll update you in 2 hours with your loan approval status.

Ask For Finance works with top finance lenders to provide you with the best car finance in NZ. We make auto financing easy by negotiating the best car loans on your behalf. If you’re after a new or used car, we offer easy & reliable loan services. Our friendly, helpful team will find you the best car finance deals, even if you’ve got a history of bad credit in NZ. Ask For Finance is your easiest, online option for motor vehicle loans.

Our process

Our team will assess your application as soon as it’s submitted. We may request additional supporting documentation to help secure your car loan quickly. We’ll give you a response within an hour or two, letting you know the outcome of your application.

Get The Best car loans

Auto finance options can seem a bit daunting. We make sure you understand what’s being offered to you, what your repayments are and disclose any additional fees. We do the hunting around for you, so you get the best possible deal, specific to your own needs and affordability. So, whether looking at a specific car, or just wanting to find out what you can borrow, we can help you secure the best car finance in NZ.

Secured vs Unsecured car loans

A secured car loan will offer the lowest possible interest rates. This is because the loan is secured against an asset, usually the vehicle itself. An unsecured loan isn’t secured by an asset, presenting higher risk to a financial lender. The best option for you depends on your current financial situation and your affordability. We’ll guide you through every step of the way.

Bad credit car finance NZ

Have you missed a few loan repayments in the past? Don’t worry, we’ve helped hundreds of customers secure bad credit car finance in NZ . Reach out to our helpful team to check if you’re eligible, or fill out our easy online application. We’ll get to work quickly to find you the best car finance for bad credit.

Ask For Finance helps all types of customers:

Second chance car loans
We all have a past and sometimes that includes old defaults and a poor credit score. However, at AFF we take more into account than just your credit history. We look at the bigger picture. We can get you pre-approved even if you haven’t had luck elsewhere. Give us a try and we’ll give you one!

Bad credit car loans
We have had a lot of success in helping our clients get approved for a vehicle loan, where their credit history is less than perfect.

Car loans with learners license
We make it easy by accepting all NZ licenses. Learners, Restricted & Full not a problem.

New job car loan
If you have just started work, we can help you get into a new car. All we need is 4 weeks income to show on your bank statements.

Self-employed car loan
We can help tradies who don’t earn a regular salary, get into their next ute or van!

Under 21 and need a car loan?
Under 21? AFF can help you into your first car.

Beneficiary car finance NZ
We accept all income types such as; beneficiaries, job seeker, student allowance, casual work, part-time income. As long as you are earning a combined total income of at least $550 per week.

Unsecured car loans
We help you get on the road without you having to have security such as another car.


Nothing beats peace of mind. So when you’re buying your next car, we offer a range of insurance options to suit you:

Comprehensive motor vehicle insurance

Motor breakdown insurance

Protection against loss of value

Financial protection in case your situation changes

At Ask For Finance we like to go the extra mile for our customers

Check out our additional motor vehicle insurance options

Motor Vehicle Insurance:

Before you can drive away you will need to have Motor Vehicle Insurance. Again your helpful broker will get this all done for you without you having to lift a finger.

Read more about all of our insurance products or Call one of our friendly AFF team members to see how we can help you!


It only takes 4 minutes

Customers Testimonial

What Our Customers Say

Very easy to use. Great Communication. Everything was done in a timely manner. Great rate, very happy with the work done. Will definitely use this service again.

Riejanne Campbell

Best experience thanks to Damien 10/10. They made everything so easy and helped me out alot during the process. I thought I was going to be stressed out but they made everything a lot easier for me. I will be highly recommending anyone and everyone I know. Thank you again.😊

Derhys Pene

Everything was so fast. I got the car I wanted with a selection of different colours etc. I would highly recommend. I love my new car. 😊