IFS Finance – Flexible Vehicle Loans in New Zealand
Vehicle Loans Made Simple
For vehicles, motorbikes, caravans, boats, jet skis, or even heavy machinery, we can offer straight-forward, competitive finance.
We’ve got you covered with flexible finance solutions*
- No deposit.
- 6-months repayment free.
- Third/third/third.
- Balloon payment options.
- Plus, even more vehicle finance solutions that suit you!
It’s easy to apply and our friendly team are here to help every step of the way.
Like to get underway? Apply today!
*Lending criteria, fees T&Cs apply.
Why Choose IFS Finance for Your Loan Needs?
Completely Personalised
We work with you to find a personalised vehicle finance solution. Along with flexible terms and the choice of weekly, fortnightly and monthly repayments to structure your loan, so that it’s appropriate to your personal needs.
Transparent Costs
Our Finance Manager will outline all the costs attributed to your vehicle loan, so there won’t be any extra surprises when your first payment is due.
Simplified Process
Our application is straightforward and user-friendly, we maintain clear and consistent communication with you, keeping you informed throughout the process of getting your vehicle loan.
Unrestricted Purchasing Power
Your loan can be used to purchase through a private seller or a business, giving you the flexibility to find something that meets your exact requirements.
Local team, National reach
We work with a broad range of trusted New Zealand lenders so that we can offer our customers local finance options with competitive interest rates.
Your One Stop Shop
Whether you’re dreaming of hitting the road in a new car, cruising the waves in a boat, exploring rugged trails on a motorbike, or setting off on a cross-country adventure in a caravan, we have the financing solutions to make it happen.
Applying for a Vehicle Loan with IFS:
Apply online
Complete our online application form in less than 2 minutes!
Choose your repayment options
We will contact you to talk through your borrowing needs and loan options.
Get ready to enjoy your next toy!
We’ll dive right into finalising your application, and keep you in the loop with how we get on!
*Approval is subject to lending criteria, fees and T&Cs apply.
Our Loan Offerings
New and Used Car Loans
We offer a wide range of finance options for new and used cars. Customers choose us because of the flexibility and loan variety available. Whether you’re purchasing a car direct from a dealership or through a private seller, we can organise a loan for you.
Boat and Jet Ski Financing
IFS Finance is your trusted partner in navigating through financial waters, making boat and jet ski ownership accessible and hassle-free. We make finding a suitable boat financing option easier, so you can set sail on your next adventure with confidence!
Heavy Machinery Finance
If your commercial machinery is needing an upgrade, we’re here to finance it! Whether you need a new excavator, forklift, compactor or loader, our team can help with heavy machinery loans in New Zealand.
Car Finance and Vehicle Loans NZ – Frequent Questions
IFS Finance – Frequently Asked Questions
Who is IFS Finance?
IFS Finance is part of Ingham Motor Group, one of New Zealand’s largest family-owned dealership groups with over 4 decades in the automotive industry. Our experience drawing vehicle loans allows us to utilise connections within the industry to offer competitive rates across a range of finance options in NZ.
Do I have to purchase a vehicle through your dealership to qualify for a car loan?
No, IFS is here to provide you with financing options. We would love to assist you in finding the perfect vehicle, but you can choose to purchase through another business or even a private seller.
How long does it take to get approval for my loan?
We aim for same-day approval. Our approach is to collect all the necessary information upfront to streamline the application process, helping our customers receive quick loan approvals.
What is the best option for a car loan?
There are a number of factors that determine the which car loan option is best for each individual, such as your deposit amount, loan serviceability and credit history. Our broad range of trusted New Zealand lenders allows us to find the best option for your personal circumstances.
*The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995. Example: A loan of $5,000 over 12 months at 10.95% p.a. has fees totaling $495 and a total repayment of $5,832.00 equating to 12 monthly payments of $486.00. Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
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