Same day car finance
Looking for car finance in New Zealand? We get it – you’ve finally found your dream car, but sorting out finance can feel like a bit of a mission. At Portage Cars, we make car finance simple, straightforward, and stress-free. Whether you need vehicle finance for a reliable family car, personal car loans for your daily commute, or car loans in NZ with a less-than-perfect credit history, we’ve got your back.
We work with many of New Zealand’s leading finance partners to find the right solution for your situation. That means competitive rates, flexible terms from 12 to 60 months, and genuine support from our friendly team who are here seven days a week. Better yet, you can apply for car finance before you’ve even found your perfect car – or if you’ve already spotted something you love in our extensive car range, we’ll help you get the keys faster.
Need bad credit car finance in NZ?
Don’t stress. We specialise in helping Kiwis with all kinds of credit situations get approved. Our finance advisors will work with you to find a pathway forward, because we believe your credit score doesn’t tell your whole story.
Don’t stress. We specialise in helping Kiwis with all kinds of credit situations get approved. Our finance advisors will work with you to find a pathway forward, because we believe your credit score doesn’t tell your whole story.
Ready to get started?
Apply online using the form below, get an estimate of your repayments using our finance calculator, or give our team a call on 0800 554 676. No pressure, no hassles, no worries – just friendly advice to help you get on the road.
Quick application
1-2 minutes/ to complete
Full application
15-20 minutes to complete
How Car Finance 1-2 minutes to complete
NZ Works with Portage Cars
Sorting car finance doesn’t need to be complicated. Portage Cars partners with New Zealand’s leading lenders – including Marac, UDC, MTF, Branded Financial Services, Oxford , CFS Finance and FinanceNow – to find you the best vehicle finance deal for your situation.
Whether you’re after personal car loans, need bad credit car finance in NZ, or just want competitive car loans with flexible terms, we compare options across multiple lenders so you don’t have to.
Here’s what makes vehicle finance with Portage Cars different
Get pre-approved first, shop later
Already found your dream car?
No obligation, no pressure
Want to crunch the numbers first?
Questions?
Finance Calculator
Choose Term (Monthly)
Estimated Payment †
† Finance calculation based on a month term, and with an example annual fixed interest rate of . Actual interest rate may be higher or lower. Includes an establishment fee of . Full term amount payable of . Estimate only, not an offer of finance. Terms, conditions and lending criteria apply.
Why Choose Our Vehicle Finance & Personal Car Loans?
When you get car finance in NZ through Portage Cars, you stay in control.
From flexible repayment terms, bad credit car finance options and fixed repayments that work for your budget, we keep our customers at the heart of what we do.
Maybe you’ve already found your dream car with us or you’re still looking.
Whatever your situation, here’s what you can expect when you choose Portage for your car finance.
0% deposit available*
Fixed rates, fixed payments
Flexible terms from 12 to 60 months
Keep your other credit clear
Bad credit car finance options
*Deposit requirements vary based on credit history and vehicle. Speak with our team to find out what’s right for you.
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
Apply for car finance online
Takes just 2 minutes
Fill out our simple online application from your couch, your lunch break or whenever suits you.
No car yet? No worries
Get pre-approved for vehicle finance first, then shop with confidence knowing exactly what you can afford.
Already found your perfect ride?
Just tell us about the car in your application and we’ll tailor your personal car loan to match. Based on your circumstances, we’ll handle the rest.
Start your application → or use our calculator first →
Find your perfect car
Browse 600+ quality used cars
From zippy city runabouts to solid family wagons, we’ve got something for every kiwi driver. All our vehicles are AA-certified for your peace of mind.
Book a test drive online
Found something you like? Book your test drive in seconds and come check it out at one of our seven locations across New Zealand.
Get expert advice
Our finance advisors are on hand seven days a week at any Portage Cars showroom. Have questions about your car finance or vehicle finance options? Call us on 0800 554 676 before your visit – we’re here to help, not pressure.
Search our cars →
Drive away (yep, maybe even today)
Same day approval available
Once you’ve found your perfect car and your car finance is approved, all that’s left is the fun part – driving away in your new wheels.
All sorted in once place
Finance, insurance, trade-in, and the car itself. We’ll help you line it all up under one roof. Easy.
Ready to get started? Call 0800 554 676 or apply online to get your car finance sorted today.
Multiple Lenders, Better Deals
Real People, Real Help
Real People, Real Help
Your Budget, Your Call
2000+ customers rated their experience with us at 4.9/5
Nannette Burnes
Posting this review on behalf of my husband Campbell who purchased a vehicle on Tuesday. Outstanding service from Kevin and the team. Highly recommend👍
박현우
I’m Hyunwoo from Korea. I purchased a car at Portage Cars last week and I’m truly satisfied with the experience. It was my first time buying a used car in NZ, and John helped me find an excellent car at a decent price. It has been running perfectly, just as John and the team guaranteed. He also promised to look after me if there are any mechanical issues later.
I strongly recommend this shop. Thank you, John, for the great support!
Marianne Morgan
Went looking for a new(ish) car recently. My partner found Portage Motors, and met the delightful sales rep, John. As soon as Mark mentioned what vehicle we had had, and loved, John showed him a similar little beautie. A great car that sat right within our budget. John was straight forward and honest, and sorted a test drive the next day for me. SOLD! All paperwork that I requested was forthcoming with no hesitation. Would highly recommend this company.
Patrick O’Carroll
Sagar is the best! He helped find an excellent car for my Auntie and really blew us away with his great service, crystal clear communication and reliable follow up. You can’t ask for more. A big thank you to Logan as well, he was also a big help with the purchasing process and can’t forget Adrian who helped setup the extra features on Aunties car and assisted with drop off and pick up logistics of the new car. New Lynn is very lucky to have a car yard with a team like this in the middle of town. Thanks guys, Auntie is very happy with the car!
Pam Blundell
Just bought a car from Sam at Portage Cars in Christchurch. Sam was great to deal with, excellent communication and customer service. Sam listened to what I was looking for in a car and gave excellent suggestions based on my requirements. I am so happy with my car- all concerns were listened to and sorted out without any problems. There were good car options and excellent customer service- highly recommend
Mark Tomkins
Great dealership to work with. Caleb and Bella were very helpful throughout the whole process. Would definitely recommend. Cheers.
Steven Bautista
We had a good experience with Portage Cars. A big thank you to John for helping us through the whole process until the car was finally released. He really did a great job — even on his day off, he was still helping and making sure everything was sorted for us. We truly appreciate his dedication and support. Thank you, John!
Tanya Bangar
All the staff at Portage were extremely welcoming and helpful from the moment I arrived. A special thank you to Shane, who went above and beyond to help me choose my first car and made the entire process easy and stress-free. He took the time to explain everything clearly, answered all my questions, and provided great support throughout. What really stood out was that he even arranged for the car to be dropped off at my place, which was incredibly thoughtful and convenient. Overall, I had a fantastic experience and felt well looked after the whole time. I would absolutely recommend Portage New Lynn to anyone looking for great service and a smooth car-buying experience.
Cookie
Kevin gave me fabulous service and good down to earth guy to. No pushy typical sales behaviour. I highly recommend. Thank you Kevin and Portage cars I love my new car. God bless you.