Need wheels today?
FAST, FLEXIBLE CAR FINANCE IN NZ
Simple car finance for Kiwi drivers
Quick approvals, clear repayments, and support for a wide range of credit situations.
WheelPay is just that; we’ll pay today so that you can find your freedom tomorrow!
- Apply online in minutes
- No hidden fees or confusing jargon
- Trusted NZ lenders and real local support
How WheelPay works
01
Apply online
Complete our quick form with your details and budget – it usually takes just a few minutes.
02
Get matched
We review your situation and match you with suitable vehicle finance options from trusted NZ lenders.
03
Drive away
Choose the offer that fits, finalise your approval, and get your new car on the road sooner.
Finance options for
all kinds of cars
WheelPay helps New Zealanders buy a car on finance without the stress that usually comes with it. You can apply online in minutes, see the loan amount you might qualify for, and get matched with lenders who understand real Kiwi budgets.
Whether you need personal car finance for your first hatchback or motor vehicle finance for a family SUV, we focus on clear information and repayments you can actually manage.
Used car
finance
Found a solid second-hand vehicle?
We help arrange used car finance so you can upgrade without draining your savings.
Cheap car finance
Looking for the cheapest car finance you can reasonably get?
We help you compare offers, understand the real cost, and avoid “too good to be true” deals.
Motor vehicle finance for work and play
From city runabouts to work utes, we connect you with motor vehicle finance that matches how you’ll use the car and how you want to repay it.
Why Kiwis choose WheelPay when they buy a car
When you’re comparing car finance deals, here’s what sets WheelPay apart:
- Fast assessments so you can start shopping sooner
- Options for a wide range of credit history situations
- Clear view of loan repayments, fees and early repayment fees
- Help comparing different terms, rates and finance options
- 100% NZ-based support team who speak in plain language
Our focus isn’t just “getting a tick”. It’s helping you buy a car in a way that feels safe and sustainable for your budget.
Ready to buy a car on finance?
WheelPay helps Kiwis access car finance deals that are clear, fair and easy to understand.
Start your application today and see how simple it can be to organise car finance NZ wide with support from a local team.
Frequently asked questions
Can I get finance with past credit issues?
Often, yes. We look at your overall situation – income, bills and existing debt – not just one score on a report.
Is this only for new cars?
No. Many customers use WheelPay for used car finance when they’ve found a reliable second-hand vehicle.
How long does the application take?
Most approvals come through within 24 hours, so you can start shopping for your car right away.
What’s the difference between vehicle finance and personal loan for a car?
With vehicle finance, the car is security for the loan. A personal loan is unsecured. We can help you decide which suits you.
How long does the application take?
Most approvals come through within 24 hours, so you can start shopping for your car right away.
How do I know if the deal is right for me?
We show you the total amount payable, the loan interest rate, and what your monthly payments or weekly instalments might be. You can compare options before you commit.
Can I pay off my vehicle loan early?
Some lenders allow this with low or no early repayment fees. We’ll flag these details so you can choose what suits you.