Finance 101: Getting Car Loans Made Simple
July 23, 2025 5:22 pm
Buying a car? Let’s make financing easy.
We get it — the idea of car finance can sound a little daunting. Interest rates, loan terms, deposits… there’s a lot to take in. But here at Kaitiaki Cars, we believe car finance shouldn’t be complicated — it should be clear, simple, and stress-free.
Whether you’re a first-time buyer or trading up, this quick guide will walk you through the essentials of getting a car loan in New Zealand.
What is Car Finance?
Car finance means you spread the cost of a vehicle over time through fixed weekly, fortnightly, or monthly payments. Instead of paying everything upfront, you pay a deposit (optional) and repay the rest in manageable chunks — often over 1 to 5 years.
Key Terms You Should Know
1. Interest Rate:
The % you pay on top of your loan. Lower is better — we help you find the best deal available.
2. Deposit:
A down payment. Many lenders offer no-deposit options — great if you’re just starting out.
3. Term Length:
The number of months or years you take to repay. Longer terms = smaller payments, but more total interest.
4. Credit Check:
Lenders check your credit history to assess your risk. We work with a range of providers — even if your credit isn’t perfect, we may still be able to help.
Why Finance Through Kaitiaki Cars?
We’re more than just a dealership — we’re your partner in getting on the road, offering:
How Much Can I Afford?
Use this rule of thumb:
Keep your total car expenses (repayments, insurance, fuel) under 15% of your take-home income.
Not sure? We’ll help you work out a plan that makes sense for your situation — no pressure, no pushy sales.
Ready to Get Started?
Applying for finance is easier than you think. You can:
– Apply online in minutes
– Get a quick quote
– Or visit us in-store — we’ll do it with you
All you need is a valid driver’s licence, proof of income, and a few minutes of your time.
Questions?
We’re just a call or message away. Whether you’re just browsing or ready to buy, the Kaitiaki Cars team is here to help you finance your next car with confidence.