Rating based on 28 reviews

Oxford Finance

  • Car loans up to $100,000
  • Low-interest starting from 11.95%
  • Repayment up to 5 years

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Oxford Finance homepage
Author Oxford Finance. Screenshot of Oxford Finance website.
[Accessed April 17, 2018]

Oxford Finance - Affordable loans

Oxford Finance forms part of the Turners Automotive Group we provide flexible financial solutions for both businesses and personal use. Our contracts are straightforward and very easy to read and understand.

We have over 65 years of experience and have opened 3 branches across New Zealand, we are here for our customers and help them find the best quick loans and business finance solutions that meet their individual requirements.

Our philosophy is to keep things as simple as possible while keeping your loan affordable and helping you pay back the loan your way on your terms.

Financing for your wheels

We offer vehicle financing, financing for motorbikes and trucks with very flexible repayment terms. Get a pre-approved car loan so that you know which price range to search in and can act like you have the cash in your hand.

Make sure that you research the vehicle that you are interested in as much as possible to avoid paying too much or paying for features that should come standard.

Find out how much money you need

Make sure that you know exactly how much you need to borrow by using our online calculator to help you.

The calculator will tell you more or less how much your installments will be and how long it will take you to repay the personal loan.

Oxford Finance insurance options

Our insurance options cover you in the event that the unthinkable should happen.

We offer loan repayment insurance if you are unable to honor your loan agreement, lifestyle insurance, guaranteed asset protection, mechanical breakdown insurance and private motor vehicle insurance.

Oxford Finance Services

We offer a wide variety of services including vehicle financing, personal loans and business loans. All our services are available online and are very easy to apply for.

Choose the loan option that suits your needs best and completes the online application form, you will need to answer a few questions regarding your income and your credit history.

How the interest rate is calculated

The amount that you are charged for interest on one of our car loans will depend on a number of these different factors include:

  • The type and the worth of the security that is provided
  • The value of the item in relation to the loan amount
  • Your credit score and previous credit history
  • Your personal and credit profiles
  • Your risk analysis

You can choose between short-term loan terms ranging from 12 months and up to long term loan terms of 60 months depending on the loan agreement.

The minimum loan amount is $2,000 and the item used as security should exceed that value and be in a good condition to be able to be sold to recover the money for the loan in the event of non-payment.

How to repay your loan

Setting up a direct debit to run automatically each pay cycle takes the stress out of paying off your loan. The direct debit ensures that you will never miss a payment and will reflect positively on your credit report.

We will send you a message the day before to remind you so that you can ensure you have money in your account and that the direct debit is honoured.

To apply for a loan online you need to be at least 23 years old unless you are applying with a joint application with either your parent or a co-borrower.

Oxford Finance – Car loan

  • Loan Type Car loans
  • Interest Rate from 11.95%
  • Loan Amount up to $100,000
  • Repayment 6 months to 5 years

Benefits of Oxford Finance

  • Rates are competitive
  • Pre-approved finances
  • Flexible repayment terms

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.

Oxford Finance - Straightforward vehicle finance

We will remove the confusion from applying for a vehicle loan.

Simply log onto our website and complete the required application form. If you are under the age of 23 you will need to apply with a guarantor.

What is a guarantor and why you need one

A guarantor is a person that signs the contract with you, by being this they taking responsibility in the event that you are unable to make payment on your loan.

If you are under the age of 23 or if you have a bad credit score or little or no credit history you will be encouraged to apply with a guarantor for a bad credit loan.

As you are seen as a risky client the guarantor will give the lender peace of mind that if you don’t repay the loan, then the loan will still be paid by the guarantor.

Private sales welcome

If you have found the vehicle that you are searching for then we can finance a deal for you even if the vehicle is being sold privately.

We also offer to finance boats, caravans and motorbikes. You can use your pre-approved for up to 14 days before it expires, this should give you plenty of time to shop around and find your preference.

Insurance is compulsory

When you purchase your vehicle through one of our car loans, insurance is compulsory as part of the deal. This not only protects our investment, but it protects you as well.

If you need insurance our friendly consultants can help you determine the best package to suit your needs and take care of all the details on your behalf.

There are many options available depending on your needs and if the vehicle will be used for personal or business use.

Customer Reviews & Testimonials

They are the company to contact if you are unsure all you have to do is email them which you can do at the bottom of the web page and if you would like you can phone them too.

Jen B
— Queenstown —

I used the calculator to recalculate how much my loan will be and it has made me happy to know that I will be able to afford my loan with ease.

Erick N
— Christchurch —

The service is amazing when I submitted my loan application they phoned me to let me know that there was a part of the information that was missing and they asked for my details over the phone.

Larsen A
— Auckland —

Oxford Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • P O Box 429, Levin, 5510, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday Closed –
  • Sunday Closed –