Fill out the Quick Application* form or the full online application for approval.
1 – 2 minutes to complete form
15 – 20 minutes to complete form
Portage Cars partner with NZ’s top lenders and support you in finding the best car finance.
We understand that taking out finance can sometimes feel complicated and daunting. We keep things simple with no obligation car finance. You can arrange your finance before you’ve even found your car. If you have already found your perfect car, great! Simply tell us in the application and based on your personal circumstances, let us do the rest.
Have a question? Call our friendly team on 0800 554 676. Our helpful finance advisors are on hand 7 days a week to put your mind at ease.
Want a rough estimate (not an offer of finance) use our
Finance calculator here.
Car Finance that Keeps You in Control
Whatever your budget, our finance rates are competitive and fixed for the duration of the agreement. We offer flexible terms ranging from 12 to 60 months. Your standard monthly payment will never change. And because the loan is secured on the vehicle, your other credit needs are left undisturbed. It’s all about keeping you in control.
*Plus with our flexible deposit options and depending on your personal circumstances this could start from as little as 0% deposit.
Portage Cars have partnered with some of NZ’s leading finance partners, so you can be confident that you are in safe hands.
Car Finance in 3 Steps
Complete our Simple Online Application
Arrange your finance before you’ve even found your car. Our online application makes the process of applying straightforward. And, if you have already found your perfect car, simply tell us about the car and based on your personal circumstances let us do the rest.
Find Your Perfect Car
Browse our website to find your perfect car. We’ve up to 350 cars in stock so search today and book a test drive online. Then visit Portage car where our finance advisors are on hand 7 days a week, or call us direct prior to your visit to put your mind at rest.
Confirm and Drive Away Happy
Once you’ve found your perfect car and your finance has been agreed then all there is left to do is drive away in your perfect car. Pending your personal circumstances and the car of your choice we may be able do this for you all in one day.
NZ’s Leading Finance Partners
We partner with some of the NZ’s leading finance partners such as Marac, UDC, MTF, Branded Financial Services and FinanceNow – so you can be confident that you are in safe hands.
Understand Your Budget
At Portage Cars, we understand that it’s hard to know what you can afford before applying for finance. With our online finance application, the process is straightforward which leaves you free with getting on with finding your perfect car.
Peace of Mind Expertise
Portage Cars assists in getting right finance for your circumstances. Why not drop in or call us for a chat about the available finance packages based on your personal circumstances.
You Set Your Budget
We compare products from some of the NZ’s top lenders based on your personal circumstances. Simply tell us what you feel comfortable paying a month based on your income and your current outgoings.
Finance Calculator
Choose Term(Monthly)
Estimated Payment
Our Reviews
Samantha Shanahan
I really want to thank Logan for making the whole experience of buying a car a fun, hassle free experience. I found a car I liked the look of and rang Logan the day before to arrange to pick it up to take it to my Mechanic to have a pre purchase inspection. I arrived at 9am on Saturday and the car was ready for me to pick up. My Mechanic gave it the all clear and we came to a price that worked for all parties. By midday I had a new car and could enjoy the rest of my day. I found Portage Cars and their staff to be professional, friendly, fair and the service 10/10. Thanks again Logan.
Richie Ryan
I’m Rui. I bought my Subaru 2015 Outback from their store, which is imported from Japan. The car’s condition was almost flawless, but some parts of the steering wheel were torn and worn. Sam also promptly repaired it. Which ensure my peace of mind. I hope my car doesn’t give me any trouble in the next few years.
Sam, the salesperson, was incredibly enthusiastic and supportive. He was willing to openly discuss every step of the used car transaction process, which gradually put me at ease. Although there was a minor hiccup during the head unit installation where some functions weren’t working, he promptly refunded me and agreed to restore it to its original state. The car’s quality is good, and before delivery, he even helped me clean and wax the entire car. Highly recommended!
Peterasp Kershaw
Goid day to Everyone
I would like to rate the service in this review given by the Portage team.
I would like to thank Caleb, for his amazing service and fast response time. Only a bit more communication would be appreciated.
Also despite having a few unpredictable engine issues with the car’s engine , Craig, Caleb & Mr Hadley resolved the issue quite fast and got it back on the road in no time. However it was a bit funny that the courtesy car broke down the next day as well.
Also enjoyed getting a lovely grooming. The only thing is that l did not like one of the Sales men telling me ” l have issue’s with my personal life and that really crossed a professional border line in client customer relations. In sales and service l always believe in having a good laugh with customers but criticise customers for their social or maritial status. Had no interaction during purchase or service however callers eticate was extremely ride example l asked who’s calling, the portage sales consultant responses Guess who, sometimes a little more formality and customer communications is needed.
Overall l’m enjoying the new purchase. Would recommend portage or to purchase a car with Sales reps like Saga or Logan who above and beyond. 6 stars to them.
Just stay away from certain reps bit there also good in their own way hence 4 stars in this review.
FAQs
Portage Cars offers competitive car financing and plenty of resources for understanding what you’ll be getting into. You can visit our vehicle financing page and use our finance calculator to gauge how much it will cost you and apply through our easy online application. For any additional questions, check out our car finance blog or give one of our staff a ring.
Vehicle financing allows you to purchase a car through borrowed money to soften the blow of upfront costs. You then pay back the money in manageable instalments, either weekly, monthly, or fortnightly. Vehicle financing is a great way to get the wheels you need when you need them.
The deposit amount you pay with Portage can vary depending on your credit criteria and status. You may even be able to pay no deposit at all! However, a bigger deposit will mean you’ll pay less interest over your term.
Our finance rates are as low as 11.95% , depending on your driver’s license status and credit history. These rates are reflective of the climbing OCR in New Zealand.
If your credit history has seen better days, gaining approval will be more difficult but not impossible! You’ll need to provide some extra information and history behind your poor credit, and the interest rate will also be higher. However, our expert team will work with you to find a financial pathway that works for you.
Portage Limited is registered in New Zealand with company number: 01407612. Registered office for Portage Cars : 8 Portage road, New Lynn, Auckland Portage acts as a credit intermediary and only offers credit products from a number of carefully selected lenders Including Barclays and Blackhorse who may pay us for introducing you to them. Portage is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 307782. Finance is available subject to status, to UK residents aged 18 years and over. Indemnities may be required. Conditions may apply depending on credit score status.