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Frequently Asked Questions

Q. How do I apply?

A. Just click apply now. This will take you to the step by step application page where it will take just a few minutes to apply. Alternatively give us a call on 0508 LUV JACK or 0508 588 522.

Q. What determines the interest rate?

A. Interest rates depend on the applicants position, from living situation to job, and financial position.

Q. How much can I borrow?

A. This will vary based on the applicant. A key factor is how much the repayments will be compared to your disposable income. We look at your current income and expenses to work this out. To find out how much you can borrow, use our online calculator.

Q. How long is the term of the loan?

A. Terms range from 12 to 60 months depending on the applicant.

Q. How long does it take to draw down my loan?

A. Stadium Finance can even do same day pay-out. This just depends on how quickly all of your information is through to us.

Q. Can I get an approval before I have picked a vehicle?

A. Yes, in step 1 of the application form you just click pre-approval. If you have a type of car in mind, it’s also helpful to include it in your application. We can change the vehicle you finally decide on before finalising your loan.

Q. What is a Guarantor?

A. A Guarantor is a person who supports you in gaining finance. They will be required to sign the same contract and agree to make payments if the primary client does not meet their commitments.

Q. Can I buy a car from an auction?

A. Yes, this is like buying a car privately. However, it is best to get approved for the type of vehicle you are looking for before the auction. Click apply now to get pre-approved.

Q. How do I make payments to the loan?

A. Payments can be structured weekly, fortnightly or monthly. This will be set up as a Direct Debit from your chosen bank account.

Q. What if I have bad credit?

A. It’s more difficult to get an application approved with bad credit. However, we do get loans approved of this nature depending on the circumstances.

Q. Do you offer insurance?

A. Yes, we currently have four forms of insurance: LPI, GAP, Motor Vehicle and Mechanical Warranties. For further information click here.

Q. Is there a minimum age for a loan?

A. Yes, 18 is the minimum age.

Q. Can I apply for a loan with a Learner Licence?

A. You can apply for a loan to get pre-approved but you will be required to have a minimum of a Restricted Licence before doing the final paperwork.

Contact Us

Call 0508 588 522 or


Contact Us

Call 0508 588 522 or


Need a car loan? We can help you, anywhere in New Zealand!

  • Buy your car from any local dealer
  • Get your finance first
  • No deposit required (subject to approval)

At Stadium Finance, we specialise in all types of car loans and vehicle finance in NZ. And we are definitely not your average finance company.

We treat you as an individual. We are on your side to help you get the best car loan deal possible. We look at your individual circumstances and we make our decisions based on YOU – not purely on someone else’s rules or just ticking boxes.

We have a dedicated team of car loan experts waiting to help with your enquiry

It’s not necessarily a problem if you don’t have a deposit to put down. Just talk to us and we’ll do everything we can to get you and your new set of wheels together. So get in touch, let’s talk about sorting the car loan or car finance that’s right for you.

We offer car loans for all types of people and all types of vehicle

Whether you’re a young person looking to buy your first car, a family looking for a bigger, more modern vehicle, or an older couple looking to downsize your car – we can help you!

We’ve provided finance for 1000s of vehicles, for small run arounds for commuting to work or the shops, to mid-sized family cars, people carriers and station wagons for chauffeuring the kids to their various activities, to premium vehicles at the higher end of the market – we can finance them all!

Apply online in under 15 minutes - get approval in as little as two hours

Whether you're looking at a car from a dealer or private seller, we can help. You can apply online in under 15 minutes or call and speak directly to one of our car loan specialists.

We can help you choose the car loan to fit your needs and we can usually let you know within 2 business hours if you have been approved.

Contact Us

Call 0508 588 522 or