Drive Away Sooner with Flexible Finance Options
Beat Motors NZ can help you apply for car finance through major New Zealand lenders – including your own bank, AA Money and specialist providers like Finance Now*.
*Beat Motors NZ is not a lender. All finance is provided by external finance companies or banks and is subject to their approval and lending criteria.
Example weekly repayment*
From $137 / wk
on a typical $25,000 car purchase over 60 months.
*This is an example only and does not represent a finance offer.
The weekly figures shown on our stock pages are indicative estimates only.
How Beat Motors NZ helps with your finance
Simple, transparent and tailored to what works best for you.
Choose your vehicle
Find a car you like from our NZ stock or a vehicle we can import for you. We’ll give you a full price breakdown including on-road costs.
Pick a finance option
You can apply with your own bank (e.g. ANZ, BNZ, Kiwibank), AA Money, or specialist lenders such as Finance Now. We’ll help with the paperwork.
Approval & handover
Once the lender approves your application and funds are released, we complete registration, on-road costs and hand over your vehicle.
Finance options we can work with
We are flexible – you can choose the lender that suits you best.
Your own bank (ANZ, BNZ, Kiwibank, etc.)
BANK LOANMany customers choose to use their existing bank for a personal loan or vehicle loan.
Major New Zealand banks such as ANZ, BNZ and Kiwibank offer personal loans that can be used to purchase vehicles, often with fixed terms and regular repayments.
- Good if you prefer to keep everything with one bank.
- Sometimes offers package discounts if you already bank with them.
- We can provide a quote and vehicle details for your bank application.
How we help: we provide sale and vehicle documents your bank may request, and coordinate timing of settlement and vehicle collection.
AA Money – vehicle loans
CAR LOANAA offers vehicle loans through AA Money for eligible customers in New Zealand.
- Finance for used and new vehicles, subject to AA Money’s lending criteria.
- Online application with AA; we can assist by supplying vehicle info and price.
- Ideal if you already use AA services or prefer a motoring-focused lender.
How we help: we provide pro-forma invoices, vehicle details and timing to match your AA Money approval.
Finance Now (planned dealer partnership)
DEALER FINANCEFinance Now is a New Zealand finance company that provides consumer and vehicle finance through approved retail and motor dealers.
Beat Motors NZ is in the process of registering as a Finance Now dealer. Once this is completed, we will be able to submit applications on your behalf directly from our yard or online.
- Specialist vehicle finance provider with electronic contract options.
- Fast approvals in many cases, subject to responsible lending checks.
- Flexible loan structures and terms (set by Finance Now).
Status: Finance Now finance is not yet available through Beat Motors NZ. Until our dealer agreement is finalised, you can still apply directly with your chosen lender.
Other finance companies / credit unions
COMPARE OPTIONSYou are welcome to use other New Zealand finance providers, credit unions or online lenders that you prefer.
- We can supply detailed vehicle information and pricing to any approved lender.
- We’re happy to work with your chosen finance broker if you have one.
How we help: we provide vehicle details, sale agreements and support with the process so the handover is smooth.
Important: Beat Motors NZ does not provide financial advice and does not recommend any particular lender. The information above is general only. Please check each lender’s website for their current interest rates, fees, terms and lending criteria.
What lenders usually ask for
Each finance company has its own criteria, but typically you may need:
- Valid photo ID (NZ driver licence or passport).
- Proof of address (recent bill, bank statement, tenancy agreement, etc.).
- Proof of income (recent payslips, bank statements or business financials).
- Details of your existing loans and regular expenses.
- Permission to run a credit check.
We will provide the vehicle information (VIN, year, mileage, price, on-road costs) that the lender may require.
Things to consider before you apply
- How much you are comfortable repaying each week or month.
- Loan term (shorter term = higher payments but less total interest).
- Interest rates and fees charged by each lender.
- Early repayment or extra repayment rules.
- Insurance (comprehensive cover is usually required on financed vehicles).
Reminder: Finance can make a car more affordable today, but it is still a long-term commitment. Please consider your situation carefully.
Want us to help prepare a finance quote?
Tell us which car you’re interested in and how you’d like to structure your repayments. We’ll prepare indicative numbers based on current lender information and provide everything you need to apply with your chosen finance company.
- No obligation – you’re free to choose any lender.
- We can adjust the quote for different deposits and terms.
- We can work by email, phone or in person.
Next step: contact us with the stock number or link of the vehicle you like, plus a rough budget for deposit and weekly payments.