Finance Options
Flexible finance solutions for every budget
Getting behind the wheel of your next vehicle shouldn't be complicated. At Premium Wholesale Cars, we offer tailored finance solutions starting from $0 deposit at competitive rates. Whether you're buying your first car or upgrading to something special, our team will find the right finance option for you.
$0
Deposit options
9.95%
Per annum
12–60
Month terms
Frequently Asked Questions
What deposit do I need for vehicle finance?
We offer finance options starting from $0 deposit on approved applications. A larger deposit will reduce your weekly repayments. Talk to our team about the best option for your budget.
What interest rate do you charge?
Our standard finance rate is 9.95% per annum. Rates may vary depending on the vehicle, loan term, and your credit profile. We work with multiple lenders to find the best rate for you.
How long are your finance terms?
We offer flexible finance terms from 12 to 60 months. A longer term means lower weekly payments, while a shorter term means less interest paid overall. Our team can help you find the right balance.
Can I get pre-approved for finance?
Yes — you can apply for pre-approval before choosing a vehicle. This gives you a clear budget and speeds up the purchase process. Contact us or apply online to get started.
Do you accept trade-ins?
Absolutely. We accept trade-ins on all vehicle purchases. Bring your vehicle in for a free valuation, or contact us with your vehicle details for an indicative trade-in price.
What documents do I need to apply for finance?
You will need a valid New Zealand driver licence, proof of income (recent payslips or bank statements), and proof of address. Our finance team will guide you through the process.