Rating based on 19 reviews

Auto Finance Direct

  • Car loans up to $15,000
  • Low-interest starting from 16.95%
  • Repayment up to 48 months

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Auto Finance Direct homepage
Author Auto Finance Direct. Screenshot of Auto Finance Direct website.
[Accessed July 3, 2019]

Auto Finance Direct - A range of vehicle products

Auto Direct Finance has simplified the car buying process to get you in the driving seat faster.

Our many years of experience have allowed us to form close relationships with our dealers and we use these connections to make sure that you get the best car loans. We are a proudly New Zealand owned and operated company and believe in empowering our community.

Apply online easily

Simply complete the online loan application form by answering 4 easy questions to get pre-approval. If you qualify you will be contacted to provide additional information. Our interest rates range from as little as 9.95% and make paying for your car easy on your wallet.

Reasons to choose Auto Finance

We are an auto financing company that specializes in car loans and we use our experience to help you pay less. Other reasons to pick us to include:

  • Our fast approval times and our competitive interest rates. We are able to provide you with very competitive interest rates through our network of leading lenders
  • Flexible terms and individual assessments based on your individual circumstances
  • Choose long or short-term loan terms between 6 and 48 months, depending on your requirements
  • We minimize the paperwork so that you don’t need to complete mountains of it
  • We will communicate with you and the dealer until you have the keys to your new car

Auto Finance Direct Services

The amount that you qualify to borrow will depend on your affordability and your credit rating.

Our vehicle loans range between $8,000 and $15,000 with flexible repayment terms.

In order to apply for a car loan, we will require the following:

  • Proof of identification. This can be your driver’s license
  • A proof of income that isn’t older than 6 weeks and shows your salary payments
  • Proof of residential address. You can use your bank statement or recent rates or utility bill.
  • If you have found the car that you are searching for, you will need to provide details of the vehicle

Approval in minutes

Once you have completed the application form we will let you know if your quick loan was approved within a few minutes.

If your application was declined, we will let you know why and try to help you find an alternative solution if we are able to.

Paying back your Auto Finance Direct car loan

To pay back your car loan, we will set up a direct debit on your account that will run automatically this will make sure that you are never at risk of missing a payment and in time will improve your credit score.

If you prefer to make manual payments you can pay at any of our branches or directly into our bank account.

Auto Finance Direct – Car loan

  • Loan Type Car loans
  • Interest Rate from 16.95%
  • Loan Amount up to $15,000
  • Repayment 6 months to 48 months

Benefits of Auto Finance Direct

  • Easy loan application
  • Quick funding
  • Affordable loans

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Auto Finance Direct - Insurance for your new vehicle

Cars are very pricey and can you imagine if your car is written off or stolen and you don’t have insurance?

You would still need to pay your installments and you wouldn’t have a vehicle. That is why it is so important to ensure your vehicle.

There are many different insurance options available to cover your new car. Lifestyle Waiver repayment cover will pay back your loan on your behalf in the event of an accident if you are too ill to continue working if you are made redundant or declared bankrupt. This cover will also pay out if you become terminally ill or in the event of your death.

Online payment calculator

If you aren’t quite sure exactly how much money you have to spend and how much you can afford to pay in installments use our online payment calculator to help you figure out your finances. Your interest rate will be much lower if you put down a deposit when you buy your vehicle.

Get the best car financing deal

Car dealers want to confuse you and try to make you spend more money than you intended to so that they make more money. Very seldom does a car dealer have your best interest at heart and they will try to sell you on special deals or limited time offers on their range of car loans.

Apply for pre-approved financing

Before you set foot inside the dealership, you need to do some research so that you know what to look for and how much the car you want costs elsewhere. By knowing more about the vehicle you are after, you will be able to negotiate a more favorable interest rate and lower overall charges.

Make sure you know what you are paying for

Many dealers will try to make the deal look more attractive by promising that you will pay lower monthly or weekly payments, but these tactics hide the true cost of the loan and might come with additional added fees. Try to stay away from offers that require a balloon payment at the end of the loan and make sure that your negotiations revolve around the overall price of the car.

Affordability is very important

That shiny new sports car may look great, but can you really afford to drive it? You should find a vehicle that suits your requirements and that you will be able to afford to drive.

Customer Reviews & Testimonials

They have the best options on rates when it comes to car loans and they have excellent service that suits me and my busy lifestyle.

Martin H
— Christchurch —

My loan was approved the same day I’m shocked to say that has never happened to me before when applying for a loan.

Jeremy S
— Auckland —

They have made me feel at home with them when I needed advice on a financial matter all I did was pick up the phone and they helped me right away.

David A
— Timaru —

Auto Finance Direct Contact

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