Want to know more?
Here's a quick guide
How do I apply for car finance?
At Auto Kings we mostly operate online, which means we have now simplified the process and made it even more convenient for you to own your next car. The first step is to get you conditionally approved for a max lend. By doing business this way, you won't feel dis-heartend should you not get approved for the full amount for your first car choice. To start the process fill out our form and we will contact you and help you through the process to have you in your new car in no time.
How much can I borrow for my car?
We can arrange lending from $5,000 to $50,000. The maximum loan is determined by what you can afford.
Can I apply with a Learner licence?
Yes we accept valid NZ Learner, Restricted and Full driver licences.
How long will it take for a decision on finance?
Decisions can be reached within 30 minutes once we receive the information we need from you.
I've been approved what happens next?
Simply pick a car that meets the lender’s requirements, and once you are happy with your repayments we will start organising delivery and pick up of your chosen car.
How does the process work?
Our online process is really quick and simple. Complete the application form and one of our consultants will contact you, to ask for a 60 day bank statement and a copy of your driver licence. When approved simply choose a car up to the agreed amount and we will then send you a digital contract for you to complete on your mobile, laptop, desktop or tablet. Once completed we will arrange pick and delivery of your new car. ...Its as Easy as that!...
Will I need a guarantor?
A guarantor may be required if your affordability is low or you have had bad credit in the past. Applicants under 21 may be asked to provide a guarantor to improve their eligibility.
How long will the car finance agreement be for?
Loans typically range from 3-5 years. However, as every customer is different we can often arrange finance to suit the length you need.
What insurance products do you provide?
Auto Kings Ltd is an authorised supplier of NZ’s leading Insurance Providers. Products include Mechanical Breakdown Warranty, GAP Insurance Cover, Payment Protection Insurance and Motor Vehicle Insurance.
I've completed the online form what do I need to supply?
In almost every case the lender would require a copy of your current driver's licence along with your last 60 days bank statements to confirm your income. These can be faxed to 09 5228822 or emailed to
Do I need to supply anything else?
To ensure the success of your application we work alongside a variety of reputable lenders, and as such each lender has a different set of criteria. Aside from the 60 day bank statements and a copy of your licence the finance company may require the additional information such as:
* Proof of address ie. phone or utility bill
* Pay slip to show income
* Information on current or historic loans
Do I need to pay a deposit?
It is possible to get approved with no deposit but it will depend on your credit profile amongst other factors.
I have bad credit – can I still apply?
We aim to help all of our customers, so even if you have been declined for finance from a bank or your local dealership its likely we maybe able to help. Our panel of lenders include several sub-prime companies that will approve those with bad credit on their file so please don’t let this put you off.
How does a bad credit car loan work?
A bad credit car loan works in just the same way as a typical loan in that you request an amount of money for your purchase and also the term in which you wish to repay the balance. Our experienced consultants will assess your application and ensure it is matched to the right lender. This way you stand a much greater chance of being approved.
Can I get a car loan if I have current or previous defaults?
It might be that you had problems several years ago or that you forgot to update your contact details when you last moved address. At Auto Kings Ltd we can usually get our customers approved even if they have defaults as our lenders look at the merits of each case.
I have been declined before – should I bother?
If you have been turned away from your bank or your local car dealer we would still like to help. Our expert team can usually identify opportunities that will strengthen your application prior to submission.