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Choose Smarter Car Finance,Choose Kiwi Car Loans!

Private Sale Car Loan

At Kiwi Car Loans we understand that sometimes the best bargain may be the car that your friend, neighbour or another seller is moving on from. With Kiwi Car Loans we can secure a private car loan or private vehicle loan as we can arrange for all the paperwork and help you get the best deal.

A private sale car loan is when a lender loans you the money to buy a car from a private seller. Once approved the lender pays the seller the amount you owe and you repay the lender like any other loan.

With over 20,000 happy clients and access to a large range of lenders, we can secure finance at the best rates for you. Trust in our experienced team to provide you with financial solutions that suit your individual requirements. Your personal finance consultant will walk you through every step of arranging your boat loan. Our dedicated business finance Team at Kiwi Car Loans can organise any type of lease or equipment loan anywhere in New Zealand, call  or !

We partner with 700 vehicle and equipment dealerships and service nationwide for smarter finance.

A couple signing finance documents

Who Can Apply

You can apply for finance with us if you fulfil these conditions:

  • You're a New Zealand resident or visa holder
  • You're over 18 years of age
  • Hold a valid New Zealand driver license
  • Have a regular income

What you need to apply

  • Valid driver license
  • Proof of address
  • bank statement less than 30 days old

See how affordable your dream is with our calculator


10.45% 19.95%

$143 Apply Now

* Interest rate is indicative range only.


10.45% 19.95%

$27,921 Apply Now

* Interest rate is indicative range only.

Protect yourself from the unexpected

We can arrange:

  • Payment Protection Insurance
  • Guaranteed Asset Protection
  • Mechanical Breakdown Warranties
  • Comprehensive Motor Vehicle Insurance

Additional Insurance Products are also available to help protect you and your new asset.

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We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is a private sale car loan?

A private sale car loan is when you borrow money from a financial institution like a bank or finance company for the purpose of purchasing a car from the private market. You then pay back that money in full with added interest and possibly other fees associated with the loan. The loan can either be secured where collateral (usually the car) is taken as security over the loan or unsecured where no collateral is needed and the lender simply takes into account your situation.

2. How does a private sale car loan work?

A private sale car loan works by you first deciding what car you want to purchase from the private market. The price of that car will determine the loan amount which you will then need to apply for through a financial lender like . Once the lender has reviewed your application and looked at your circumstances they can then either accept or reject your application. If they accept then you can proceed to purchase the vehicle from the private market. The last part of the process is for you to pay back the loan through monthly or weekly instalments which includes interest and any other loan fees laid out in the loan agreement.

3. Who can apply for a private sale car loan?

If you’re a New Zealand resident or visa holder, over 18 years of age, hold a valid New Zealand driver licence and have regular income then you can apply for a private sale car loan with Kiwi Car loans.

4. Should you get private sale car finance?

Getting private sale car finance allows you to purchase a car immediately without having to save for months or even years to try and buy the car outright. You can also benefit from car finance in other ways such as building a credit history and improving your credit score which can help with future financing. Lastly if you are purchasing a private car for business reasons then the car financing is tax deductible which can save you money.

5. What interest rate do you charge?

Our interest rates vary depending on individual applications and other factors such as credit ratings, how well you have paid off previous loans, secondary income etc. If you are interested in finding out a more definitive interest rate then contact us on .

6. How do I calculate private car finance repayments?

If you are wanting to figure out how much your car finance repayments might be each month then please use our . The calculator also shows you how much the loan will be over the total term.

7. Can you sell a private sale car under finance?

If your private sale car loan is unsecured then you can sell your car as normal. Note you will still need to pay back the loan in full as outlined in the loan agreement. If however your loan is secured against the vehicle itself then you will need to speak with your loan provider for further information. Lastly if the car loan is secured but the collateral is another item of value say your house then you can sell the car but again you will need to pay the loan back in full.

8. What does refinancing a private sale car loan mean?

Refinancing means you replace your current loan with a new loan from another provider for the purpose of trying to get a cheaper interest rate so you can save money on repayments. We would advise you to speak with one of our first to determine if this is the right outcome for your circumstances.

9. How long does it take to get an answer?

We aim to get back to you within a couple of hours. If you would like to discuss your application urgently, please call us on .

10. Do you offer no-deposit private sale car loans?

Yes, we certainly offer no-deposit private sale car loans, apply or contact us on .