Auto Finance Direct

About Auto Finance Direct

Do you have poor credit? Are you worried that your bank won't offer you the finance you need to buy a car?

At Auto Finance Direct we see you as an individual and will do everything we can to offer you the car loan you need to get back on the road quickly and effortlessly.

Flexible, Reliable and Transparent

As one of the leading vehicle financers in the country we know we have a duty to keep fees to a minimum and interest rates as low as possible. If you want to deal with a flexible, reliable and transparent lender that is nothing like your local bank then Auto Finance Direct is it! 

What Auto Finance Direct can offer you

While banks and traditional lenders have unreasonable expectations and lending requirements Auto Finance Direct offers you a wide range of vehicle finance options that are designed to work for you.

Whether you have good credit or bad, are buying your first or third car - we can offer you the finance you deserve.

Loans from $8,000 to $15,000

At Auto Finance Direct we offer vehicle finance from $8,000 to $15,000 although alternative loan amounts may be considered depending on your individual financial status and needs. Our loan terms range from 1 to 4 years and we offer a 24 hour fast loan turnaround time. You can apply online or though one of our nationwide dealers in just minutes!

In a Nutshell

  •  Loan minimum $8,000
  •  Loan maximum $15,000
  •  Interest rate 16.95% per annum
  •  Loan term minimum 12 months
  •  Loan term maximum 4 years
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration

How to get a Car Loan from Auto Finance Direct

Auto Finance Direct is based in Auckland but offer a nationwide service through our website where customer can apply for a loan in just minutes.

If you're looking for a lender that understands you and will work with your unique set of needs and circumstances than we're the car finance company for you!

Flexible Loan Terms and Lending Criteria

We are highly flexible when it comes to altering our loan terms to meet your needs and will keep your informed throughout the car loan application process. This flexibility and transparency is rare amongst our competitors and is certainly not something that people take for granted when they need good car finance.

Eligibility & Requirements

  •  Full or restricted drivers license
  •  Stable address history
  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  30 day bank statements
  •  Valid identity document
  •  Utility bill or other (proof of address)
  •  Bank statements or payslips (proof of income)

Other Products & Services

  • Car Finance / Loans

Contact Details

 Visit Website


 Physical Address

  • Level 2, 4 Newton Rd, Auckland, Auckland, 1010, New Zealand

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