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So you’re looking at a car and wondering how the finance process works?
At Budget Car Sales, we make financing your next car simple, fast, and stress-free, whether you’re applying in person or from the comfort of your couch.
Here’s everything you need to know, step-by-step:
Step 1: Use Our Loan Calculator First
Before you apply, get an idea of what your repayments could look like using our
online calculator tool.
If your money’s feeling a bit tight, no deposit is totally okay. We can often approve up to 100% finance (subject to lending criteria), so you can drive away with no deposit.
Step 2: Choose the Right Car
Once you’ve used our calculator, it’s time to find the car that fits your lifestyle, needs, and budget. We make it easy to browse cars in your weekly payment range or browse our full range online or pop into one of our yards in Manukau or Takanini. Our friendly team is always here to help if you’ve got questions, need advice on which car would suit your needs, or just want someone to walk you through the options.
Step 3: Apply for Finance (In-Store or Online)
We have onsite finance specialists available every day at both locations – so feel free to pop in for a chat.
Prefer to apply from home? Use our online finance application. It takes just 5–10 minutes to complete on your phone or computer.
You’ll need:
- NZ driver’s licence (Restricted or Full)
- Proof of income (90 days bank statements or payslips)
- Residency or visa documents (if applicable)
Common Finance Questions
Can I trade in a car that’s still under finance?
We can help you trade in your current vehicle, even if it’s still under finance. It’s a great way to upgrade without the hassle.
Can I repay my loan early?
Absolutely. Most lenders allow early repayment, though some contracts may include small early exit fees. We’ll go over this with you before you sign.
Our Promise
At Budget Car Sales, we want to help make the process of getting behind the wheel easy and hassle-free. Our process is designed to be transparent throughout so you have all the information you should have. Whether it’s your first car or a much-needed upgrade, our finance team is here to support you every step of the way.