How our car loans work
APPLY FOR A FAST CAR LOAN NOW!
Simple car finance designed for real people
Fast approvals. Fair rates. No confusion. WheelPay helps Kiwis apply for finance and get on the road with simple, transparent options that actually work for you.
If you’re comparing car loans in NZ or just starting to think about buying a car, you’re in the right place.
At WheelPay, we believe car finance shouldn’t be stressful or full of fine print. Our application process is built around what everyday Kiwis need: quick steps, clear info, and support at every stage.
Whether you’re buying your first vehicle, upgrading the family car, or replacing an old runabout, we make it easy to apply for finance and understand your choices.
We work with trusted New Zealand lenders and compare different car loans based on your budget, the vehicle you want, and your goals. You stay in control while we handle the tricky parts.
The WheelPay application process
01
Apply for finance online in minutes
Start online from your phone, tablet, or laptop.
You share a few details about yourself and the car you’re thinking of buying. The form is simple and the whole application process only takes a few minutes.
02
We match you with the right options
Our team reviews your application and checks a range of offers from our lender network.
We look for repayments that feel comfortable and terms that make sense, so you can move toward the best car loans available for your situation.
03
Get approved and buy with confidence
Once approved, we send you your finance details and repayment schedule.
You know exactly what your car loan will look like before you step onto a yard or talk to a seller. We manage the paperwork in the background so you can focus on choosing the right car.
Flexible finance options for every driver
No two drivers are the same, so neither are our solutions. WheelPay helps match you with:
- Personal car loans for everyday drivers and family vehicles
- Cheap car loans when you need to keep weekly repayments low
- Vehicle loans NZ wide, from city runabouts to SUVs, utes, and EVs
Whether you’re rebuilding credit, upgrading your car, or just want a simple path to buying a car, our friendly team explains every step in plain language so you always know what’s next.
Ready to get started?
See how straightforward car finance can be.
Apply online today to get a personalised quote based on your budget and the kind of car you want to buy.
WheelPay makes it easy for Kiwis nationwide to compare options and apply for finance. We help you move through the application process with confidence – fast approvals, fair terms, and a local team who actually cares.
