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021 0885 0815Forget Banks, Dealer-Finance, Or Other Stone-Age Finance Options:
CarsSale's 99% Approval Engine* Confirms If You Can Borrow On The Terms You're Seeking In 60 Seconds Flat — Without Touching Your Credit Score!*
Whether you're looking for $1k or $100k, we'll get you the financing you need to secure your dream car — approved in as little as 24 hours, backed by an industry-leading 99% approval guarantee!*
& Operated
Industry Experience
In Our Panel
Score Risk
Across NZ
Approval
$1k–$100k
Loan amounts
24 Hours
Approval as fast as
200+
Partnered dealers NZ-wide
30+
Lenders in our network
CarsSale's 60 Second Pre-Approval Process Puts Your Family In A Dream Car In Days, Not Weeks — Without A Single Credit Inquiry Touching Your File!*
Tried Of Getting
Rejected By Finance?
Pre Approved In
Just 60 Seconds
Find Your
Best Match Vehicle
Get Your
Dream Car
Finally You Can
Enjoy Your New Car
Buying a safe, great-value car shouldn't be difficult. But with dozens of confusing loan options, endless car salesmen ready to offload you a lemon, and a slow bank lending system, it's easy to feel overwhelmed by the process.
But you don't have to settle for a car your family has outgrown, or finance options that don't make you feel financially secure. At CarsSale, we help NZ families secure up to $100k in vehicle finance with a simple, proven “60-second pre-approval process” — so once you've found your car, the finance is already sorted.
CarsSale's 99% Approval Engine Versus The Rest…*
CarsSale's 99% Approval Engine
- Approval as quick as 24 hours
- Know exactly how much you can borrow before you start shopping
- A loan offered by a lender in our panel
- Transparent terms and no tricks
Traditional Banks & Dealers
- 3-5 days waiting for approval (or longer)
- Multiple applications hurt your credit score
- No idea if you'll be approved until after you apply
- Generic loans that benefit the lender, not you
- Left with generic dealer finance
- Spend weeks searching for the right car on your own
- Stressful, confusing process
- Offered loans that suit the lenders
Tap Into New Zealand's Largest Car Finance Network
Whether you buy from one of our dealers or find the car yourself, CarsSale matches you with the right vehicle and the right lender — fast.
200+
Trusted Dealers, Nationwide
From Auckland to Queenstown, access cars from over 200 trusted dealerships through CarsSale's network — all in one place.
30+
Lenders Working For You
Our expert team assesses your application and submits it to the lender best suited to you — so you get the sharpest deal without the legwork.
Any
Trade Me & AutoTrader Listings
Already found the one? Send us any Trade Me or AutoTrader listing and we'll help you finance it — no need to buy from us.
When Banks & Car Dealers Aren't On Your Side, CarsSale Is…
Mercedes Benz CLK
Sole trader, no proof of income required.
Mazda BT50
Full-time truck driver earning $1,250 per week.
Tesla Model 5
Business owner, no proof of income required.
Toyota Hilux
Casual worker, recently approved with ease.
Here's the problem most Kiwis face when they need car finance: banks move at a snail's pace. You fill out endless paperwork, wait days for a response, and if they reject you? Those multiple inquiries just dropped your credit score by 50-150 points. Apply to two or three lenders, hoping one sticks, and your score tanks so badly that getting approved anywhere becomes nearly impossible. With CarsSale you only deal with one person doing all the running around for you.
Then there's the dealership route. They promise ‘instant approval’ but really, they're taking control of the sale process, making sure it benefits them. And the car? Whatever they have on the lot and want to offload that weekend.
“Thank you CarsSale for making it possible for me and my family to get my application approved within minutes. Thank you so much for your help. We appreciate it and may god bless you.”
With A 99% Approval Rate, We'll Confirm Loan Availability In 60 Seconds*
CarsSale built the 99% Approval Engine to provide better vehicle financing for NZ families. Our system instantly confirms if you'll be able to get a loan based on your credit profile, financial situation, and vehicle type. All of this happens in 60 Seconds, and not a single inquiry hits your credit file during the process. Your score stays protected. And you walk away knowing exactly how much you can borrow before you even start shopping.
Once you're approved by a lender and complete the paperwork, your finance is locked in before you start shopping. You know exactly what you can spend, so you negotiate from a position of strength instead of hoping a dealer will work with you. And because you've already got the finance sorted, you're not pressured into dealership loans with inflated rates. You choose the car you want, at the price you deserve, with repayments that actually fit your family's budget.
Why 1,023+ Kiwi Families Trust CarsSale To Secure Fast, Affordable Vehicle Finance…
Verified Customer
Smooth Application & Purchase Process
I would like to say thank you to CarsSale for helping me get through the process of purchasing a 4x4 Ford Ranger 2020. Much appreciated.
Verified Customer
Impressed With The Speed & Hassle-Free Experience
To anyone looking for finance, I dealt with the team at CarsSale and was overly impressed with the speed and hassle-free experience I received. I highly recommend them to others that are looking for finance. I got a great interest rate and find my repayments very affordable, and I really appreciate it. Thank you very much.
Verified Customer
Process Was Extremely Easy
Just want to send our appreciation and gratitude for assisting us. Thank you CarsSale, you have made this process extremely easy.
50+ Years Of Combined NZ Automotive Finance Experience Working To Get YOU Into Your Dream Car…*
CarsSale is 100% New Zealand owned and operated. We were founded by three friends who spent a combined 50+ years working in the automotive and finance industries and saw the same problem over and over: hardworking Kiwi families getting stuck with confusing loans, dealer finance (some only have access to one lender), and cars that didn't meet their needs. We built CarsSale to change that.
Since day one, we've helped thousands of Kiwis secure better cars for less by simplifying the loan application process, protecting their credit scores, and guiding them through every step of the process. We're not here to push generic loans or to chase the highest commissions. We're here to make sure New Zealand families get deals on vehicle finance without wasting weeks chasing lenders.
“Thanks CarsSale, you have been amazing to work with. Best customer service I have ever experienced. I will definitely be back and refer anyone I know looking for a new vehicle….”
Why CarsSale Should Be Your First Choice?
Apply After You Find Your Vehicle
Found the car first? Perfect. Apply once you've spotted it — simple and stress-free.
Get Pre-Approved Fast
Know your budget and be ready to buy anytime, with approval in as little as 24 hours.
Compare Your Options
Weigh up car, personal, and debt-consolidation loan options to find your best fit.
Flexible Repayment Terms
Choose repayment terms that comfortably fit your budget and lifestyle.
Transparent Fees & Interest
Clear, upfront pricing with no hidden costs — ever. What you see is what you pay.
200+ Trusted Dealers
Access over 200 trusted dealerships right across New Zealand through our network.
Expert, Friendly Support
Real people on your side — our friendly finance team guides you every step.
Zero-Deposit Options
Zero-deposit car loan options available for eligible buyers. Ask us if you qualify.
Get Approved First, Then Buy With Total Confidence
Once your finance is approved, you're ready to buy — and you know exactly what you can spend. No more guesswork, no more waiting on the bank while the car you want slips away.
Buy from any of our 200+ partnered dealers, from a private seller, or from a car you've found yourself on Trade Me or AutoTrader. With your finance sorted up front, you negotiate from a position of strength and drive away in the right car, sooner.
June Offer For The First 6 Kiwi's With Good Credit Scores:
Claim Your FREE 10-Minute ‘99% Approval Engine’ Check & See If You Qualify For Up To $100K In Vehicle Finance*
No Credit DamageFREE 60 Second
CheckUp To $100K
Fast Approval
Here's just a fraction of what you'll discover in your FREE ‘99% Approval Engine’ Check:
- How YOU can get up to $100K approved in as little as 24 hours without damaging your credit score
- Why Kiwis are upgrading faster than ever — and how to secure your dream car before prices climb
- Why getting pre-approved first puts you in control — so you negotiate from a position of strength
- How our 30+ lender network finds you the sharpest rate — and how to finance any Trade Me or AutoTrader listing