Trusted by 1,800+ Kiwi car buyers

Loans

Trusted by 1,800+ Kiwi car buyers

Loans

One Platform. Endless Finance Options Across New Zealand.

Get all your car, personal, and business finance solutions sorted in one place — fast, simple, and stress-free.

Apply Online Now

Use Finance Calculator

One Platform. Endless Finance Options Across New Zealand.

Get all your car, personal, and business finance solutions sorted in one place — fast, simple, and stress-free.

Apply Online Now

Use Finance Calculator

FAQ

How does car finance work through Cars Sale?

Can I get finance even if I have bad credit or past defaults?

Do I need a deposit or “down payment”?

How much can I borrow, and over what term?

How long does it take to get a decision?

See all

Contact us

How does car finance work through Cars Sale?

Can I get finance even if I have bad credit or past defaults?

Do I need a deposit or “down payment”?

How much can I borrow, and over what term?

How long does it take to get a decision?

See all

Contact us

How does car finance work through Cars Sale?

Can I get finance even if I have bad credit or past defaults?

Do I need a deposit or “down payment”?

How much can I borrow, and over what term?

How long does it take to get a decision?

See all

Contact us

Find, Finance, and Drive — All in One Place.

Get pre-approved fast, compare car and personal loan options, and connect with 200+ trusted dealers across New Zealand.

all your finance on one platform

Apply Now

Finally. All your finance in one platform.

all your finance on one platform

Apply Now

Finally. All your finance in one platform.

all your finance on one platform

Apply Now

Finally. All your finance in one platform.

Trusted Finance
Options Across New Zealand

Car Loans

Get pre-approved fast and drive away sooner. CarsSale makes car finance simple, affordable, and stress-free — whether you’re buying from a dealer, private seller, or online marketplace.

project management design

Personal Loans

From renovations to unexpected bills, CarsSale helps you find flexible personal loans tailored to your goals, budget, and lifestyle.

vizual tool on ipad

Business Loans

Expand your business with confidence. Get access to fast, flexible funding options designed to help Kiwi businesses grow without the red tape.

client feedback design

Debt Consolidation Loans

Combine multiple debts into one easy repayment. Lower your stress, simplify your finances, and stay in control with CarsSale’s consolidation solutions.

Car Loans

Get pre-approved fast and drive away sooner. CarsSale makes car finance simple, affordable, and stress-free — whether you’re buying from a dealer, private seller, or online marketplace.

project management design

Personal Loans

From renovations to unexpected bills, CarsSale helps you find flexible personal loans tailored to your goals, budget, and lifestyle.

vizual tool on ipad

Business Loans

Expand your business with confidence. Get access to fast, flexible funding options designed to help Kiwi businesses grow without the red tape.

client feedback design

Debt Consolidation Loans

Combine multiple debts into one easy repayment. Lower your stress, simplify your finances, and stay in control with CarsSale’s consolidation solutions.

Car Loans

Get pre-approved fast and drive away sooner. CarsSale makes car finance simple, affordable, and stress-free — whether you’re buying from a dealer, private seller, or online marketplace.

project management design

Personal Loans

From renovations to unexpected bills, CarsSale helps you find flexible personal loans tailored to your goals, budget, and lifestyle.

vizual tool on ipad

Business Loans

Expand your business with confidence. Get access to fast, flexible funding options designed to help Kiwi businesses grow without the red tape.

client feedback design

Debt Consolidation Loans

Combine multiple debts into one easy repayment. Lower your stress, simplify your finances, and stay in control with CarsSale’s consolidation solutions.

"CarsSale made my car finance journey completely stress-free! The team guided me through every step — from pre-approval to finding the right car — and I was driving within days. Highly recommend them to anyone looking for easy finance in NZ."

David Lanceister

Happy CarsSale Customer, Auckland

"CarsSale made my car finance journey completely stress-free! The team guided me through every step — from pre-approval to finding the right car — and I was driving within days. Highly recommend them to anyone looking for easy finance in NZ."

David Lanceister

Happy CarsSale Customer, Auckland

"CarsSale made my car finance journey completely stress-free! The team guided me through every step — from pre-approval to finding the right car — and I was driving within days. Highly recommend them to anyone looking for easy finance in NZ."

David Lanceister

Happy CarsSale Customer, Auckland

Explore What Makes
CarsSale Different

Lots of options to choose from

30+

Lots of options to choose from

30+

Lots of options to choose from

30+

Lenders accessibility,

Our expert team assess the application and then submits to best suitable lender.

Flexible Finance for Every Need

Choose your loan type — car, personal, or debt consolidation — and start with repayments that fit your lifestyle.

Weekly repayment and interest rate are respect to the conditions of application, might vary for each, base is calculated at 11.95

Learn More

$62 / week

For 38 Months

$62 / week

For 38 Months

$62 / week

For 38 Months

$91 / week

For 62 Months

$91 / week

For 62 Months

$91 / week

For 62 Months

$59 / mo

For Big teams

$59 / mo

For Big teams

$59 / mo

For Big teams

Quick & Easy Application

Our partnered finance broker.

chairs
+90

Partnered Dealers Nationwide

From Auckland to Queenstown, access cars from over 200 trusted dealerships through CarsSale’s network.

 Our Partnered Dealers

A trusted network of more than 200+ dealers and affiliated finance brokers across New Zealand

Why CarsSale Should Be Your First Choice?

Apply after finding your vehicle — simple and stress-free.

Get pre-approved fast and be ready to buy anytime.

Apply after finding your vehicle — simple and stress-free.

Compare car, personal, and debt-consolidation loan options.

Enjoy flexible repayment terms that fit your budget.

See all features

Apply after finding your vehicle — simple and stress-free.

Get pre-approved fast and be ready to buy anytime.

Apply after finding your vehicle — simple and stress-free.

Compare car, personal, and debt-consolidation loan options.

Enjoy flexible repayment terms that fit your budget.

See all features

Apply after finding your vehicle — simple and stress-free.

Get pre-approved fast and be ready to buy anytime.

Apply after finding your vehicle — simple and stress-free.

Compare car, personal, and debt-consolidation loan options.

Enjoy flexible repayment terms that fit your budget.

See all features

Get started
in five easy steps.

  1. Apply fast with online application.

  1. Discuss your needs with our experts.

  1. Mail us the required documents.

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  • CarsSale

    Thanks! Documents were received!

  1. Profile Assessed and submit to lender for pre-approval.

  1. Loan Approved — Good news for you!

Apply Online Now

Apply Online Now

Apply Online Now

"I applied online in the morning and got approved the same day. CarsSale made the whole process simple and transparent — no hidden fees, just honest finance help."

Michael R.

Christchurch

"I applied online in the morning and got approved the same day. CarsSale made the whole process simple and transparent — no hidden fees, just honest finance help."

Michael R.

Christchurch

"I applied online in the morning and got approved the same day. CarsSale made the whole process simple and transparent — no hidden fees, just honest finance help."

Michael R.

Christchurch