Dealer purchase
Found a vehicle at a yard? We can help compare lender options before you commit to dealer finance.
Online car finance across New Zealand
Car finance that fits the way Kiwis buy.
Compare car finance options for dealer, private sale, and Trade Me purchases. Start online in minutes; finance is subject to lender criteria, affordability, and responsible lending checks.
Dealer or private sale
No obligation to proceed
Lender checks explained upfront
Finance and protection partners
Car loans NZ
Finance for the car you've found, wherever you found it.
Udrive helps you compare car finance options without locking you into one dealership, one bank, or one way to buy.
Private sale or Trade Me
Buying privately can be simple when the finance, payment, and ownership steps are handled clearly.
New or used vehicles
Cars, utes, vans, and everyday family vehicles can all be considered by the lender panel.
Broker support
Compare options before you commit.
Why Udrive
A finance broker, not a car yard.
The goal is simple: understand what you are trying to buy, compare options that may fit, and make the next step clear before you sign anything.
Udrive does not lend money directly. Any loan is provided by a lender and is subject to their approval process, checks, and final documents.
Options from multiple lenders
Udrive compares lender options so you are not limited to one bank or one dealer's finance offer.
Online-first application
Start from home, on your phone, or while you are shopping. We will come back with clear next steps.
Responsible lending built in
Any finance is subject to lender criteria, affordability, suitability, and final loan documents.
Financing more than a car? Compare finance across other vehicle types, read about car finance after credit issues, or run the numbers with our repayment calculator.
How car finance works
From first click to the
driver's seat.
The process is straightforward, but each step depends on the lender, the vehicle, and the information you provide.
- 013 min
Start online
Tell us what you want to borrow, the vehicle type, and a few details about your situation.
Finance remains subject to lender criteria and checks. - 02Review
We compare options
The Udrive team reviews your application and looks for lender options that may fit your needs.
Finance remains subject to lender criteria and checks. - 03Next steps
You get clear next steps
If a lender can progress the application, we explain the documents, checks, and terms still needed.
Finance remains subject to lender criteria and checks. - 04Confirm
Finance is confirmed
Once lender checks and documents are complete, the final loan contract is provided before you sign.
Finance remains subject to lender criteria and checks.
Calculate your
borrowing power.
Slide the bars below to estimate your weekly repayments. The result is obligation-free and subject to lender rates, fees, and criteria.
Adjust your details
$35,000
$5,000$100,000
4 Years
1 Year7 Years
Estimated Repayment
$212
per week over 4 years
Fortnightly
$424
Monthly
$921
Start ApplicationOr call 0800 002 602
Calculations are estimates only, assuming a rate of 11.95% p.a. Subject to individual lending criteria.
What you may need
Get the simple details ready.
You do not need every document before you make the first enquiry, but having the basics ready can help lenders assess the application faster once it moves ahead.
Typical checklist
- Valid NZ driver licence or passport
- Proof of address
- Recent income or bank statement information
- Vehicle details if you have already found the car
- A realistic idea of your preferred repayment budget
Faster next steps
Documents can come later, but accurate details help from the start.
Car finance FAQs
The questions people ask before applying.
If you can't find what you're looking for, give our friendly team a call.
Yes. You can start with an amount and preferred term before you choose the exact vehicle. Any final finance still depends on lender criteria, the vehicle, affordability, and documents.
Yes, private sale and Trade Me purchases can be considered. We will explain the payment and ownership steps if a lender can progress the application.
No. Submitting an application is not an approval or offer of finance. Approval depends on lender criteria, responsible lending checks, and final loan documents.
Udrive's broker service is generally free to customers. If finance is arranged, Udrive may be paid by the lender. Lender interest, fees, and other loan costs are separate and should be disclosed before you sign.
Free 60-second quiz
What's your Car Buying Readiness Score?
Answer 8 quick questions for a personalised score and a clear checklist of what to sort before you buy. No obligation, and it takes about a minute.
Ready to get
behind the wheel?
Start online in minutes. We'll review your details, explain the lender checks, and come back with clear next steps.
No obligationFree serviceSame-day assessment may be available