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?
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.
Trusted Finance
Options Across New Zealand
Explore What Makes
CarsSale Different
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
$62 / week
For 38 Months
$91 / week
For 62 Months
$59 / mo
For Big teams
Quick & Easy Application
Our partnered finance broker.
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.
Get started
in five easy steps.
Apply fast with online application.
Discuss your needs with our experts.
Mail us the required documents.
Profile Assessed and submit to lender for pre-approval.
Loan Approved — Good news for you!