Simple Car Finance from 9.95%* 

Secure Lending

We've been providing car loans for 15 years and have international backing. 

Fast Pre-Approval

© 2019 Go Car Finance limited . All rights reserved

Get free pre-approval from us and shop like a cash buyer knowing you have money available. Perfect for dealerships and TradeMe.

Simple

Getting a car with us easy. Apply online or speak to someone on the phone on 0800 462 277.

Words from our happy customers:

Got more questions?

How to use our finance calculator?

Find answers here.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures. 

How to use our finance calculator?

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures. 

What does the application process involve? 

Since no two customers are the same, we’ll need to get in touch with you to be able to assess your circumstances and give you an accurate quote. The next step from here is to assess your income and expenses via your bank statements online. Once you’ve submitted your bank statements we’ll be in touch ASAP to get you behind the wheel.

How to use our finance calculator?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Get a Quote

View all FAQ's

With Go Car, you simply choose the car. We take care of everything from finance, wof, rego, servicing and even car insurance.

Save yourself the stress of getting finance approved. Get  a free pre-approval from us and shop like a cash buyer.

What our customers say

Got more questions?

Got more questions?

Since no two customers are the same, we’ll need to get in touch with you to be able to assess your circumstances and give you an accurate quote. The next step from here is to assess your income and expenses via your bank statements online. Once you’ve submitted your bank statements we’ll be in touch ASAP to get you behind the wheel.

What does the application process involve?

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Get a Quote

Let's get you started

Applying with us is quick, easy and won't affect your credit rating.

*Annual interest rates range from 9.95% to 29.95%. The calculator is only an indicative guide and is based on a fixed annual interest rate of 14.45%. Your interest rate will depend on your personal circumstances. To better understand the rate that will apply to you, please call 0800 462 277. Normal lending criteria, terms, conditions and fees apply.

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We value your privacy. Using this calculator will not affect your credit score.

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Loan Amount: $12,000
Loan Term: 6 months

Basic Car finance

Apply Online

Simple weekly/monthly payments.

Car Finance

GPS Security Package (optional)

 Breakdown Insurance (optional)

Full Ownership Package

Health Waiver (optional)
If you’re prevented from working by unforeseen sickness or hospitalisation, the Health Waiver can temporarily reduce your regular loan payments.

Work Waiver (optional)
If you’re involuntarily made redundant from your job, the Work Waiver can help cover part of your payments temporarily while you look for more work.

Write-off Waiver (optional)
If your car is written off and there’s still a balance outstanding after the insurer pays out, the Restart Waiver can wipe the balance - a real lifesaver!

Car Insurance
Insurance is compulsory with Go Car Finance. If you don’t have a relationship with an insurer, we can help you to organise cover with one of our trusted partners.

Mechanical Warranty (optional)
You can select a Mechanical Warranty from an external provider, with up to 36 months of cover for peace of mind.

Car Maintenance Package (optional)
My On Road Plan is an easy, membership based maintenance package for your vehicle. It helps spread the cost of car ownership across the year and keeps your car legal and safe.

Apply Online

Simple weekly/monthly payments.

0800 462 277

NZ's Ethical Lenders

We're responsible lenders and we care about our customers financial situation. We're here to listen and help (not exploit) people in a bad spot. 

NZ's Ethical Lenders

We're responsible lenders because we care about our customers financial situation. We're here to empathise, listen and help. That's why we're New Zealand's top rated car finance company.

4.5 out of 5 from 435 reviews

Or call us on 0800 462 277 8am – 6pm weekdays for a free no-obligation quote.

Apply Online

Or call us on 0800 462 277
 8am – 6pm weekdays for a free no-obligation quote.

Select the best package for you:

ANGELA TURUA

I've called twice so far and both times they were very helpful. Also I like the fact that once a month they will text my phone and let me know the dates my car payments go out for the month coming. Overall great. Gave me a chance when no-one else would!

I am incredibly impressed with the humanity and kindness GoCar Finance has shown me through unexpected tough times. They have gone over and beyond to help me and I cannot express enough just how grateful for the understanding they have given me at all times. highly recommend them to everyone.

JANENE MANN

I’ve had 2 vehicles with them now, second was refinanced at a lower interest rate because of my good payment history.  My car was stolen twice, but because of the security device it was disabled and recovered immediately with minimal damage.  Only place that would take me when my credit was not so good. Thank you Go Car!

CRYSTAL POMALE

JANENE MANN

I am incredibly impressed with the humanity and kindness GoCar Finance has shown me through unexpected tough times. They have gone over and beyond to help me and I cannot express enough just how grateful for the understanding they have given me at all times. highly recommend them to everyone.

Schedule of Fees

This document outlines the fees we charge in relation to a Secured Credit Agreement.
DOWNLOAD OUR CURRENT SCHEDULE OF FEES


Products & Rates


This document contains our most up-to-date list of optional products, and what they cost.
DOWNLOAD OUR CURRENT PRODUCTS & RATES INFORMATION


Terms & Conditions

This document outlines our latest Terms & Conditions. These are updated from time to time, so if you already have a contract with us, it might reference an earlier version. If you’re not sure, get in touch!
DOWNLOAD OUR CURRENT TERMS & CONDITIONS


Secured Credit Contract

This is our current Secured Credit Contract, the document you sign when you take out a loan with us.
DOWNLOAD OUR CURRENT SECURED CREDIT CONTRACT


Responsible Lending Code

This document outlines the steps we take as a Responsible Lender. We don’t want to put anyone in a tricky financial situation, and sticking to this code helps us avoid doing so.
DOWNLOAD THE RESPONSIBLE LENDING CODE


Responsible Borrowing Code

This is the other side of the Responsible Lending Code - the code you should stick to when borrowing money. We recommend reading it before getting a loan of any kind.
DOWNLOAD THE RESPONSIBLE BORROWING CODE
WATCH THE RESPONSIBLE BORROWING CODE VIDEO


Hardship

As a responsible lender, we can help in times of unforeseen hardship. If circumstances out of your control mean that you can’t make your regular payments, get in touch and we’ll see what we can do. Remember, communication is key – make sure to keep us in the loop and up to date, so we can help before things get out of hand.
GET IN TOUCH

We can help both good and bad credit history 

 Simple Car  
 Finance from 
 9.95%* 

0800 462 277

Full Ownership Package

Write-off Waiver (optional)

Work Waiver (optional)

Mechanical Warranty (optional)

Car Insurance (required)

Car Maintenance Package (optional)

Health Waiver (optional)



Apply Online

One simple weekly/monthly repayment. 

I am incredibly impressed with the humanity and kindness GoCar Finance has shown me through unexpected tough times. They have gone over and beyond to help me.

JANENE MANN

Very helpful.  I like the fact that once a month they will text the dates my car payments go out for the month coming. Overall great. Gave me a chance when no-one else would!

ANGELA TURUA

I’ve had 2 vehicles with them. Second was refinanced at a lower interest rate because of my good payment historyOnly place that would take me when my credit was not so good!

CRYSTAL POMALE

Got more questions?

How to use our finance calculator?

Find answers here.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures. 

How to use our finance calculator?

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures.

At Go Car, we like to make it easy for you to get the car you want. Our calculator is designed to be an easy way to show you just how affordable car finance can be. Enter the amount you’d like to borrow and the timeframe you’d like to borrow for and select your credit rating should you know it. Our calculator is based on a variety of NZ credit ratings that include bad credit options as well.

While we aim to provide the best deals possible, bear in mind that our finance calculator is an indicative price only. Our rates/ prices can vary based on your indicative vs. actual figures. 

What does the application process involve? 

Since no two customers are the same, we’ll need to get in touch with you to be able to assess your circumstances and give you an accurate quote. The next step from here is to assess your income and expenses via your bank statements online. Once you’ve submitted your bank statements we’ll be in touch ASAP to get you behind the wheel.

How to use our finance calculator?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

View all FAQ's

Got more questions?

Got more questions?

Since no two customers are the same, we’ll need to get in touch with you to be able to assess your circumstances and give you an accurate quote. The next step from here is to assess your income and expenses via your bank statements online. Once you’ve submitted your bank statements we’ll be in touch ASAP to get you behind the wheel.

What does the application process involve?

Do I need a deposit for car finance?

If you've got some money you'd like to contribute towards your car loan, that's great! However if you don't have a deposit, don't stress. You don't need to put a lump sum down to secure a car loan provided you meet our eligibility criteria. Talk to us to find out more.

Basic Car finance

Apply Online

Simple weekly/fortnightly/monthly payments.

Car Finance

GPS Security Package (included)

Mechanical Warranty (optional)

Full Ownership Package

Payment Waivers (optional)
If you get sick and can’t work, or you’re made redundant, these waivers will reduce your payments so you can get back on your feet.

Restart Waiver (optional)
If your vehicle is written off and insurance pays out, this product waives the remaining balance on your loan, and helps you get behind the wheel of your next car quick-stat.

Roadside Assistance (optional)
Run out of fuel? Flat tyre? 24/7 country-wide Roadside Assistance will get you moving again.

Mechanical Warranty (optional)
You can select a Mechanical Warranty from an external provider, with up to
 36 months of cover for peace of mind. 

Apply Online

Simple weekly/fortnightly/monthly payments.

Car Finance
For the car of your choice.

GPS Tracking Security Package (included) 
 Your car can be tracked through the Go Car App and recovered if stolen, and you can set move alerts so you know your it’s safe, 24/7.

WOF & Rego (optional)
Keep your car safe and legal on the road with WOF checks and Registration included in your package.

Servicing (optional)
Regularly servicing your car keeps it reliable, efficient, and helps identify small issues before they become big ones. We’ll let you know when it’s due, and arrange payment with a local workshop.

Select the best package for you:

Full Ownership Package

Car Finance

GPS Security Package (included)

WOF & Rego (optional)

Payment Waiver (optional)

Mechanical Warranty (optional)

Car Maintenance (optional)

Roadside Assistance (required)

Servicing (optional)

Restart Waiver (optional)

Apply Online

Simple weekly/fortnightly/monthly payments.

Let's get you started: