Finance Options

Fast, Competitive, Flexible.

Helping you find the right vehicle finance package is our number one priority. No matter whether you’re self-employed, a stay-at-home mum or working 9 to 5, we understand your circumstances and are here to help.

Do you still owe money on your old car?

Do you have bad credit?

Have other companies mucked you around and made you feel unimportant?

Then talk to us today. At Enterprise decisions are made by people, not computers, and nine times out of ten it’s the person sitting right in front of you. We call it the human touch.

Don't have a deposit or trade? Don't worry, we can help!

Do you have clean credit and a stable job? We offer competitive fixed interest rates.

You may be surprised - in most cases we can offer you a better deal than your bank!

To help find the right weekly payment for your situation, try out our easy calculator below.

Working out your weekly budget

Your Income / Expenses

Your Partner, parent or guarantors

This is only an estimate and is calculated using the information you have entered to find out exactly what you can afford complete our online application form or call into one of our branches.

Apply Now

Get a no obligation pre-approval today! Simply click 'Apply Now'

All of our finance is arranged with Community Financial Services (CFS) who are easily New Zealand’s friendliest finance company! Community Financial Services are our dedicated finance company and exclusively look after Enterprise customers. They share the same philosophy as we do and treat their customers how they want to be treated.

To get in contact with Community Financial Services, please call them on 0800 88 2000 or email customerservice@cfsmoney.co.nz.

We can arrange car loans from 12 to 60 months and with a deposit as little as $50 depending on your personal circumstances.

You can use your old car as the deposit and it doesn’t even matter if you still owe money on it.

To get an easy pre-approval just fill out our online application form. Alternatively, pop into one of our branches - any one of them will be happy to see you.

Making sure your payment fits your budget is really important to us. We don’t want our customers having to worry about school fees or Doctor's bills because their car payments are too high.

It is also important that we help protect you in the event the worst happens, which is why we always recommend that you and your car loan are covered with our full protection package. This includes our 4 year Enterprise warranty, Guaranteed Asset Protection (GAP), Payment Protection Insurance policy (PPI) and a two year Vero motor insurance policy.

And to make protecting you and your car even easier, all of this can be included in your affordable weekly payment!

Your questions answered

  • Q. How much can I borrow?
    A. This all depends on your personal circumstances such as your income and living costs. For a quick guide, try our affordability calculator or complete our online application form, and we will get back to you with a pre-approval and details of exactly what you can borrow.
  • Q. How much deposit will I need?
    A. We can arrange finance with a deposit as little as $50 depending on your personal circumstances. You can also use your old car as a trade-in and deposit, and it doesnít even matter if you still owe money on it.
  • Q. I am already pre-approved with another finance company - can I buy a car from you?
    A. If you have already been approved by either your bank or another finance company it is definitely worth talking to us, as we can often save you money on your loan payments! Just send your local branch an email and we will be in touch.
  • Q. What if I still owe money on my old car?
    A. Thatís not a problem - in most cases we can trade in your old car and pay off the old loan for you. We then simply deduct that amount you owe from your trade-in value.
  • Q. I have a Baycorp default. Will I still get finance?
    A. We understand that every now and then something goes wrong, and we can often look past some defaults. If you think you might have bad credit it would be best to complete our online application form and let one of our finance managers see what we can do to help.
  • Q. Can you finance me with a learnerís license?
    A. Unfortunately, you will need at least a restricted license to qualify for finance.
  • Q. What will I need to bring with me?
    A. When you come in and see us, bring with you three months of bank statements showing your pay going into your account, your ID such as a driverís licence, and details of any other loans or payments you are making.
  • Q. Do I need the Enterprise full protection package?
    A. While none of these policies are compulsory, they are definitely recommended as they help to protect you and your family in the event the worst happens. Talk to one of our finance managers to discuss your options - you would be surprised how much protection you can have for only a few dollars a week.
  • Q. How do I contact Community Financial Services?
    A. You can call CFS on 0800 88 2000 or email customerservice@cfsmoney.co.nz
  • Q. What if I am buying the car to help a family member?
    A. As long as you give us all of the details we can often help. However, we may need that family member to complete an application form as well.
  • Q. What if I am on the benefit or get family support?
    A. We have helped thousands of people who receive a benefit or family support to buy a car, The easiest thing to do is complete our online application form then come in and see us with a bank statement showing the payments going into your account.