Car Loans
With Dynamic Finance, your car loan experience will be smooth, efficient, and tailored to fit your budget. Don’t wait, drive your dream car today!
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Car Loans with Dynamic Finance
Get your vehicle finance journey started with Dynamic Finance. Apply now to discover the best car loan options in New Zealand.
Common questions
Can I get a car loan with bad credit?
Often, depending on what the credit issue is and how old it is. Some lenders assess defaults and arrears case by case rather than declining automatically. We cannot promise an approval, but we can tell you honestly whether an application is likely to work before it is submitted.
Can I finance a car from a private seller?
Yes. Many banks will not, but several of our lenders will. We check the vehicle on the PPSR before any money moves, then pay the seller directly, so you are not handing over funds against a car that still has debt attached to it.
Does applying affect my credit score?
Asking for an indication does not. A formal credit enquiry is recorded on your file, and we will always tell you before running one. One application through a broker is assessed by a panel, rather than leaving several separate enquiries across several lenders.
Can I pay a car loan off early?
Generally yes, though some agreements carry an early repayment fee. It is worth asking before you sign rather than afterwards, and we will tell you what applies to the offer you are considering.
Why not the dealer’s finance?
The finance desk at a dealership works for the dealership. That is not a criticism, it is just who employs them.
Dynamic Finance
An independent broker working for you
- A panel of lenders, so the options compete for your business
- The rate is not part of a deal being negotiated on the day
- Private, dealer and auction purchases handled the same way
- One adviser from application through to payout
- No pressure to decide while you are standing there
Dealership finance
The finance desk down the hall
- Usually one lender, or a small panel you never see
- Finance margin is part of the deal being negotiated
- Tied to the vehicle on their lot
- Handed between salesperson, finance manager and lender
- Best answered before you fall in love with the car
How it works
Apply for your loan
Complete the online form or give us a call and we will get your application underway.
We will reach out
We will call to understand what you are trying to achieve and gather anything else that helps get you approved.
Ready to go
Once approved we send your documents to sign, and payout follows shortly after.
Get started today
Tell us what you are looking to finance and we will come back with real options - usually the same day.