Don't Miss Out on These Deals: Get Your Car Finance Options Today

Statistics show that over one million cars are sold in New Zealand each year.
If you're planning on buying a new or used vehicle soon, you'll have plenty of options when it comes to makes and models. However, another area in which you have plenty of choice is car finance.
Unless you've got a lot of cash lying around, chances are you'll need to get external financing to get on the road. Read on as we look at the different types of car finance available today, and explain why going to a dealer like NZC for finance might be a good idea.

Our Car Finance Deals

There are plenty of different places you can find car financing. However, our financing options allow you to get your car without first securing a loan.
If you're wondering how you're going to fund your next car, there are a couple of good reasons to come to us.

We Want to Lend

We're committed to working with everyone we can when it comes to financing. While many lenders are reluctant to work with certain types of borrowers, we have an inclusive approach.

If you;

  • Have a bad credit history,
  • Have previously declared bankruptcy,
  • Are in New Zealand on a student visa, or
  • Drive on a learner's license,
you may have difficulty in securing credit from a bank or credit union, as they might feel that you represent a credit risk
At NZC, however, we'll be happy to accept your finance application no matter what your background is. We'll try our best to find a fair financing deal for everyone.

Ease of Access

One of the easiest ways to secure financing is to turn to the dealer. Getting your car and your financing in the same place saves you time and energy, and the rates you get can be just as favorable.
If you want to secure financing with us, you won't have to go anywhere but our website. Fill out an application with us today.
Alternatively, if you'd prefer to arrange financing in person, we have a finance manager on-site in each lot. These managers can make a financing deal with you on the spot.

Should I Borrow Money Against My Property?

It is possible to extend your mortgage when you wish to buy a car. Many people view this as an attractive option, as mortgage rates are usually lower than interest rates on shorter-term borrowings.
However, this doesn't tell the whole story. Because mortgages last around 25 years, you'll be paying interest on the vehicle you buy for that length of time.
Any further vehicles you buy in this way will also add to the interest owing for the entire lifespan of the mortgage. Collectively, these payments are likely to far exceed what you would have paid for your cars with medium-term financing.

What Insurance Should I Get?

It's always a good idea to make sure you have adequate insurance. The motor insurance that's required by law won't be sufficient to keep you financially safe from everything that could go wrong on the road.
Whether you're a driver or not, you should also consider getting lifestyle protection insurance (LPI), a coverage option that we provide. In the event of an accident, whether on the road or elsewhere, this coverage will ensure that you have the money you need to meet your various financial obligations without a salary coming in
It will also provide your family with an income in the event of your death.
Another insurance product we provide is guaranteed assets protection (GAP). This acts as a supplement to normal motor insurance, covering the difference between the amount owed on the car and the value that your motor insurance covers.

What Car Should I Buy?

Before you think about financing your purchase, it might be a good idea to think about exactly what you want to buy. The most important thing to consider is the reason you need a car.
Are you just looking for something that will take you to and from work as efficiently as possible? Will you be alone in the car most of the time? If so, a hatchback or electric car is probably what you need
Are you looking for something to bring your family around? Will you need a lot of space for passengers and luggage? If so, a people carrier or SUV will likely be a better choice for you.
At NZC, we can provide for all needs when it comes to cars. We have a broad range of makes and models that suit every price range.
Whether you want a saloon or a hatchback, a sporty car or a people carrier, we've got you covered.
We have dealerships in both Auckland and Christchurch. We can also arrange for delivery to any location in New Zealand.

Japanese Cars

If the car you want is in Japan, you've come to the right place. We can bring a wide range of Japanese makes and models into New Zealand on special order. Make an inquiry to see if we can get what you're looking for.

What Guarantee Do I Have?

When you' re buying a car, you need to be confident that it's going to last a certain length of time before breaking down. Unfortunately, even new cars can start to give trouble sometimes.
At NZC, we guarantee a repair or part replacement for any car for up to a year after the date of purchase. As long as the issue did not come about because of improper use, we'll get you back on the road free of charge.
We also recommend purchasing our extended mechanical warranty. This provides the same level of coverage for your car for three years or more.
We carry out a service on every car prior to selling it.

Picking the Right Financing Option to Get Driving Fast

Car finance is one of the less glamorous parts of buying a vehicle. However, it's worth devoting a bit of time and thought to it, as picking the right option can end up saving you significant money.
If you'd like to learn more about our financing options or our range of cars, contact us today.
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