We Make Car Finance Simple
Car Loan In Just a Few Clicks…
Take the first step toward driving your dream car today! At Rostron Finance, we provide competitive car finance in New Zealand, with car loans and insurance packages designed to fit your needs. Whether you're buying from a dealership or private sale, apply online now to find the right loan for you.
Get Approved for
Car Finance Today.
Broker of The Year
2021 & 2022
5 Star Rating
From 364+ Customers
Instant Car Finance, Anytime, Anywhere
Whether you’re buying your first car, upgrading to something newer, or finally getting that dream car you’ve had your eye on, Rostron Finance makes it simple.
We help Kiwis secure affordable car finance with quick pre-approval, an easy online process, and access to a wide network of trusted lenders.
Our mission is straightforward
To help you drive away sooner with a finance solution that works for you, not the lender.
✅ Instant pre-approval
✅ Apply online in minutes
✅ New, used, dealer or private sale
✅ NZ-wide service
How Does Our Lending Process Work?
Unlike traditional banks, Rostron Finance does not directly provide car loans. Instead, we work with a diverse network of trusted lenders across New Zealand. Our role is to match you with the right lender who offers the best loan terms for your situation, ensuring that your financing experience is smooth and hassle-free.
Enter Your Loan Details
Compare Your Loan Options Instantly
Choose the Right Loan for You
We Facilitate the Communication
Personalised Car Loan Optionsto Fit Your Needs
Wide Range of Car Finance Options
At Rostron Finance, we tailor car finance packages to your unique needs. With consumer car loans, personal loans,
Customised Solutions for Every Situation
When it comes to financing your dream car, one size rarely fits all. We understand that each individual's financial situation and car-buying needs are unique.
Comprehensive Protection for Peace of Mind
We understand that peace of mind is priceless. That's why we offer comprehensive protection solutions that go above and beyond to safeguard your interests and assets.
Who Can Apply for Car Finance with Rostron?.
At Rostron Finance, we believe that securing car finance should be straightforward and accessible to a wide range of individuals. Our application criteria are designed to be inclusive while meeting New Zealand lending regulations.
Eligibility Requirements:
You can apply for car finance with us if you:
- ✅Are 18 years or older
- ✅Are you a New Zealand citizen, permanent resident, or eligible visa holder
- ✅Have a regular source of income (employed, self-employed, or receiving approved income support)
- ✅Can provide proof of address and identification
We understand that everyone's financial situation is unique. Whether you're a first-time buyer, a self-employed professional, or someone looking to upgrade your vehicle, we're here to assist you. If you're uncertain about your eligibility, our team is ready to provide guidance and answer any questions you may have.
Types of Car Finance We Offer.
We know not every buyer’s needs are the same, so we offer a range of options.
Secured Car Financing
Secured car financing is a type of auto loan where the vehicle you're purchasing serves as collateral for the loan.
Unsecured Car Financing
Flexible financing options without the need for collateral, making car ownership more accessible.
Balloon Payment Financing
Lower monthly payments with a larger final payment at the end of the loan term.
Refinance Services
Did you rush into your existing loan want to look at an option to refinance at a lower rate?
Quick Application in
4 Easy Steps.
Instant Finance Pre-Approval with no impact on your credit score.
Quick Calculator
Instantly calculate your loan options with our smart online calculator
Real Quote
Instant Finance Pre-Approval with no impact on your credit score.
Instant Preapproval
Our powerful lender matching engine will match you with suitable lenders.
Apply to Lender
The fastest ever finance experience! Rostron’s Quick Apply supports direct-to-lender submissions
What You Need to Apply for Car Finance
As an online finance provider, we won’t need hard copies of documents. The documentation we do ask for in Car Finance loans are:
- Valid passport or NZ driver's license
- Proof of Address
- Employment
- Bank statement from the past 90 days
Tips for Smart Car Financing in NZ
We want our clients to make informed choices, so here are our top tips:
- Get Pre-Approved First - It gives you a clear budget and bargaining power with sellers.
- Think Beyond the Purchase Price - Factor in insurance, fuel, servicing, Warrant of Fitness, and registration costs.
- Choose the Right Term - A shorter term usually means higher monthly payments but less interest overall.
- Check Your Credit Score - A strong score may unlock lower rates. If your score isn’t great, we can suggest steps to improve it.
- Avoid Over-Borrowing - Just because you can borrow more doesn’t mean you should — choose a repayment you’re comfortable with.
The Benefits of Using Rostron for Your Car Loan
Compare Lenders
Multiple Loan Options
Personalised Loan Matching
Instant Results
Hassle-Free Process
Customer Support
It’s kinda hard not to love us
“Rostron helped throughout the whole process of financing my car and also helped with insurance.”
Hannah Clare
“I had the confidence I was getting the best deal. Rostron provided a really simple & smooth process”
Ryan Lee, Kerdic Homes Pty Ltd
Our experience with ROSTRON has been incredible!
This is the first time I have used any external finance broker for any sort of loan. I was always skeptical of using external companies and always preferred to deal directly with banks. But I can definitely say Rostron Finance...
Exceptional Service at Rostron Finance!
Massive thank you to Alexander! The customer service through the entire process of buying a new car has been incredible. Alexander was open, honest and so helpful, you felt like he was going above and beyond to help you. You didn’t feel like just another sale, like how some dealerships make you feel. Honestly ask for Alexander to help you with your finance!
Navigating Financial Solutions with Rostron!
Thank you Hamish from Rostron for absolutely amazing customer service and wealth of knowledge in sorting out our business car loan. Exceptionally fast responses to all our inquiries, attention to detail in preparing our documents, very knowledgeable approach. We dealt with Rostron Finance few times now and each time service exceeds our expectations.
A Five-Star Experience with Rostron's Professional Team!
I had a fantastic experience with Hamish in sorting out my loan for my car. Every question I could think of had an answer, if I had an alternate suggestion, he would hear me out and we would work from there.
Legitimately, I can't sing his praises high enough, and by extension, the company as well.
Exceptional Solutions at Rostron Finance!
I found Rostron Finance via a random google search and it had me intrigued as to why so many great customer experiences (especially with a person named Harrison). Funnily enough, my contact WAS Harrison and from my first contact with him it gave me insight as to why all the brilliant reviews. I can easily say that Harrison's service, attitude, knowledge, expertise and genuine time is first class. Although we didn't get the result we wanted, Harrison went above and beyond. It made the whole experience just that better.
Thank you Harrison, you are a gem!
Top Notch Service with Rostron Finance!
Excellent service from Rostron! Patrick was super helpful and very efficient. From the initial application through to settlement, which only took a couple of days, Patrick was great to deal with. Highly recommend!
Secure Your Future Today
With our comprehensive insurance cover, peace of mind is just a policy away.
Comprehensive Insurance
Comprehensive insurance, refers to a comprehensive coverage policy that offers extensive protection across various domains. It is a type of insurance designed to provide all-encompassing financial security in specific areas, such as health, property, or business. Comprehensive insurance typically covers a wide range of risks and scenarios, ensuring policyholders are well-prepared for unexpected events and potential losses.
Shortfall Gap Cover
Shortfall Gap Cover (Also known as GAP) covers you in the event that your vehicle is written off. Gap cover is recommended for anyone that is financing a large portion, if not all, of their vehicle and is taking out comprehensive insurance. Speak to one of our Rostron Finance specialists about the different covers, exclusions and maximum claim limits before making a decision if this is right for you.
Loan Protection
Protect yourself from missing a payment and damaging your credit history. We understand that taking out a new loan can be a big commitment for some people and if something was to happen to you it could put you into financial hardship. Speak to one of our Rostron Finance specialists about Loan protection today.
Mechanical Breakdown Insurance - Commonly referred to as (Extended Warranty)
Navigate the roads with confidence, knowing that Rostron Finance Motor Vehicle Breakdown Insurance has you covered. Whether it's a sudden engine hiccup or a flat tire, our comprehensive coverage ensures you'll never be stranded, offering a reassuring layer of financial protection for your automotive journeys.
Got a Question About Car Finance
Yes, we offer car finance for consumers and businesses. For a greater range of vehicle financing options, such as trucks, check out our Equipment Finance options.
Finance approval ranges from same-day turnarounds up to a few days, depending on the complexity of the loan, the amount of information you have provided us, and the strength of your application. Our team will keep you updated on how the loan is tracking.
After approval is confirmed and you have signed the original finance documents, we aim to settle within 24 hours and have the supplier receive the money from the financier.
A secured loan involves the finance company taking security against your car. This enables banks and lenders to offer various products such as New & Used Car Loans, Bad Credit Car Loans, and more – these have greater flexibility and rates due to the company taking security.
An unsecured loan does not require security against the car. Our unsecured loans at Rostron Finance have a fixed competitive rate, allowing you to access the best deals in the market.
Some of our lenders require a minimum loan amount of around $5,000, while others will lend as low as $1,500, depending on the asset you are purchasing. We do not have a preset maximum loan amount, as this will depend on what you can afford.
It depends on the type of car finance you have applied for and the lender to which your loan is attached. If there are fees, you can pay them upfront or incorporate them into your loan should you decide to proceed with your approved application. Fees do not apply if your loan is declined or you choose not to proceed.
