Affordable, Flexible Finance Plans Tailored to You
At Sterling Cars, we make it easy to drive away in your dream car with the most competitive car finance options available. Our finance team works closely with you to tailor flexible vehicle finance solutions that suit your budget and lifestyle. Whether you’re seeking low-interest car finance, need a car loan in NZ, or are simply looking for the cheapest car finance offers in NZ, we’ve got the best rates for you. At Sterling Cars, we’ve helped thousands secure the right car loan — from students and international license holders to families and business owners.
We offer a range of financing options, including no-deposit car finance, to ensure that whatever your situation, we can help you secure a vehicle loan that works. Our financing plans come with no hidden fees, fast approval, and flexible repayment terms that match your needs.
Car finance allows you to purchase a vehicle and pay it off over time through manageable weekly, fortnightly, or monthly payments. Sterling Cars offers financing through trusted third-party lenders. You’ll typically need to:
Sterling Cars is committed to responsible lending, ensuring you make informed decisions when choosing the right vehicle finance package. Whether self-employed, working full-time, or a first-time car buyer, we are here to find the best finance car options to meet your needs.
Want to know how much you’ll be paying? Use our Car Finance Calculator to estimate your weekly payments. Input your deposit, loan term, and interest rate to get an instant quote.
Example: A $15,000 loan over 60 months at 13.95% interest could cost you around $88/week.
Got a less-than-perfect credit history? We specialise in bad credit car finance. Our finance partners consider your current ability to repay more than just your past. If you have stable income or support, we may be able to help.
At Sterling Cars, we offer tailored car loan solutions for:
You’ll need to provide valid ID, proof of visa status, and income or financial support evidence. No job? No worries — we have special plans to support new migrants and students.
Got questions?
Let’s Chat! Call us now
0800 771 88120 Marphona Crescent, Takanini 2105
es, especially if you’re a student with proof of funds or a supported beneficiary. Contact our team for personalised options.
Yes! We offer loans for full, restricted, and international license holders.
Visit our Car Finance Page, choose your car, and apply online in 5 minutes. Our team will guide you from there.
Yes, most lenders allow early repayments. Check with your assigned finance partner.
Proof of ID, income, address, and license are usually enough to get started.
Car Finance NZ – Rates, Requirements, and Benefits Explained
Looking to buy a car in New Zealand without paying everything upfront? Car finance makes it possible. Whether you’re a student, have bad credit, or are on a work visa, you can still get behind the wheel. This guide covers interest rates, finance requirements, and the benefits of financing through trusted dealerships like Sterling Cars NZ.
Car finance in New Zealand is a practical solution for drivers who want to spread out the cost of a vehicle over time. With interest rates generally ranging from 9.95% to 17.95%, many buyers can access cars with weekly repayments suited to their budget. At Sterling Cars, finance estimates are based on a 13.95% interest rate, a 60-month loan term, 0% deposit, and a $490 documentation fee — helping customers plan their purchase confidently.
To qualify for car finance in NZ, you’ll typically need a valid driver’s license (NZ or international), proof of income, proof of address, and consent for a credit check. However, at Sterling Cars, flexibility is key. We accept all visa types, provide low or no deposit options, and offer quick approvals — often within an hour.
Financing a car isn’t just about convenience. It’s a smart way to build or improve your credit history, own your vehicle outright over time, and choose from a broader selection of quality cars. Whether you’re shopping for a hybrid, a family SUV, or your very first vehicle, car finance gives you the flexibility and affordability you need.
Looking for student car loans or finance with bad credit? Sterling Cars has custom finance solutions for students, beneficiaries, and even those without a traditional job — including WINZ-approved and sponsor-backed options. With nationwide delivery, in-house paperwork support, and dedicated finance specialists, buying your next car has never been easier.
