Easy Finance Options | Optima Finance

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weekly repayment

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18 years experience

Our staff have over 18 years experience in Vehicle Sales so we know a good car and whats it worth so we can also make sure you get the right car at the right price.

Trade in welcome

Looking to trade in your current vehicle but the car you want to purchase isn’t at a dealership? No worries, we can arrange a trade price and turn your car into a cash deposit for your new loan!

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Bespoke Vehicle Finance

All our loans are individually tailored to suit your lifestyle and finances. Affordable payments to suit your budget and quality insurance products to protect yourself and your new investment.

Overseas License/Work Visa

Just arrived in NZ and hold an overseas license with a work Visa? We have flexible options to suit your budget, work situation and individual requirements including the option to extend the term of the loan past the expiry date of visa to keep the payments affordable.

Bad Credit

We understand that a person is not defined by their credit rating or finance history. Sometimes things go wrong and individual circumstances can change over time so we look at the whole picture rather than your past.

No Deposit

No Deposit? No Worries, we can normally arrange a package without a deposit being required. Talk to our friendly staff about options to suit your budget.

Purchasing from a Dealer

Many Dealers have their own in house finance facilities which makes things easy. However, if your circumstances are unique we can put together a package that will allow you to shop at any dealer in NZ with the confidence of a cash buyer.

Purchasing Privately

Sometimes that perfect vehicle isn’t for sale at a dealership, we can get you preapproved ready to approach a private seller with a cash offer. A free vehicle background check is included with all private vehicle purchases when using our finance packages. Apply online now to get preapproved.

Extended Warranties and Insurance

We have access to New Zealand’s leading mechanical warranty packages along with GAP Cover and Payment Protection insurances. Comprehensive Motor Vehicle Insurance is also available to look after you and your vehicle should something unexpected happen.