New, used, or electric. Drive away sooner.

Yes. You can use your car loan to cover more than just the vehicle itself. Things like registration, WOF, insurance, and other upfront costs can all be included, so you can take care of everything at once.

Yes. You can buy from a private seller, not just a dealership. Once your loan is approved, the funds are paid straight into your bank account, so you can pay the seller directly. We always recommend checking the vehicle carefully before you buy, just to be safe.

Absolutely. We can help you get a car loan for electric, plug-in hybrid, and standard hybrid vehicles, whether new or used. If you're buying locally or from around NZ, we'll work with you to find the right finance option.

Absolutely. You can get a loan for a used car, just like you would for a new one. The age, make, or model of the car won't automatically affect your chances. We'll look at your personal financial situation to assess your application. Whether you're buying from a dealer or a private seller, we can help arrange the finance you need.

The amount you can borrow for a car depends on your personal situation. We'll look at things like your income, credit history, and any other financial commitments you have. Our team will work with you to find a loan amount that fits your needs and your budget, so you can buy the car you want with confidence.

The process is the same whether you're buying new or used. The main difference is that interest rates can vary depending on the car's age and the lender's criteria, with newer cars sometimes attracting lower rates. Once approved, funds are paid directly to the seller, and we'll take your vehicle details into account when comparing options for you.

Yes. Your loan doesn't have to be limited to the purchase price of the vehicle. Registration, WOF, comprehensive insurance, mechanical breakdown insurance (MBI), and dealer-fitted accessories can all be included in your loan amount, making it easier to cover all your upfront costs in one go. 

Yes. We work with self-employed applicants regularly. You'll need to provide evidence of income such as recent bank statements or tax returns, and we'll find the lender on our panel best suited to your situation. 

If your application is approved and meets our lending criteria, we’ll do our best to get the funds into your account on the same day. Timing can depend on your bank and when you apply, so while we aim for same-day funding, it’s not always guaranteed.

No, getting a quote with Armstrong's Finance won't impact your credit score. We only run a full credit check if you decide to go ahead with a formal application, and we'll always let you know before that happens.

A car loan is a loan used to finance the purchase of a vehicle, whether new, used, or electric. Instead of paying the full price upfront or waiting until you've saved enough, a car loan lets you buy now and spread the cost over time. Once approved, funds are paid directly to the seller, whether that's a dealership or a private seller, so you can move quickly on the right vehicle. Whether you're buying for yourself or the family, from a dealer or a private seller, Armstrong's Finance works across a panel of lenders to find the most suitable loan for your situation.

It depends on your situation. Things like your credit history, income, how much you're borrowing, and the loan term all play a part. Because we compare options across a panel of lenders, we'll work to find a rate that suits your circumstances. Get in touch with our team and we can talk through what's likely to be available for you.

Yes, it's worth applying. A difficult credit history doesn't automatically rule you out, and different lenders have different criteria. Some are better suited to applicants who've had financial difficulties in the past. We assess every application individually and look across our full lender panel to find the most suitable option for your situation. If you've been turned down elsewhere, it's still worth talking to us.

Pre-approval is where a lender confirms how much they're willing to lend you before you've found a car. It's a good idea. It gives you a clear budget before you start shopping and means you can move quickly when you find the right vehicle. 

A secured loan uses the vehicle as collateral, which gives the lender greater security and typically means lower interest rates for you. An unsecured loan isn't tied to any asset and has no collateral involved, but rates tend to be higher as a result. Most car loans in New Zealand are secured. We will always be upfront about which type of loan you are being offered and what it means before you commit.

Yes. If your current loan no longer works for you, whether the rate is too high or your circumstances have changed, refinancing could help. A refinance loan pays out what you owe and replaces it with a new loan. We can compare options across our lender panel to see whether there's something more suitable available for your situation. Get in touch with our team to find out more.

It's simple, either call us or submit the online application here on our website. It only takes a few minutes, it's obligation-free, and it won't affect your credit score. Once you're happy with your quote, we will process your full application with you. We'll ask for proof of income and ID, and our team will take it from there. Subject to responsible lending criteria and lender assessment, funds can be processed the same day if approved.