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RAYMOTORSTakanini · Auckland

Finance

Finance,
minus the fuss.

We don’t lend money ourselves — we work with trusted New Zealand lenders and handle the legwork, so you can get a straight answer and get driving.

  • Flexible terms
  • Quick online application
  • Tailored repayments
  • Transparent costs
Apply online Talk it through

How it works

Three steps to the keys

  1. 01

    Pick your car

    Browse the yard online or in person. Use the calculator to get a feel for weekly repayments.

  2. 02

    Apply online

    A short form — about five minutes. We refer it to the lender best suited to your situation.

  3. 03

    Sign & drive

    Once approved we prepare the paperwork, you sign, and the keys are yours.

Calculator

Find a weekly
that works

Slide the numbers around to see an example repayment. Every figure here is an estimate — your lender will confirm the real ones.

Example establishment fee $395, PPSR fee $10 and account fee $4/month are included. Lender-specific fees may apply.

$25,000
$2,000
Loan term

Estimated repayment

$124/ week

Monthly
$535.94
Amount financed
$23,405.00
Total payable
$32,156.21
Example rate
12.95% p.a.
Apply with these numbers

Example only — not an offer of finance or financial advice. Includes an example establishment fee of $395, PPSR fee of $10 and account fee of $4/month. Your rate, fees and repayments depend on your credit profile and lender assessment. All finance is subject to lender approval and responsible lending criteria.

FAQs

Questions we hear a lot

General

Do you lend the money yourselves?
No. Ray Motors doesn't lend money directly. We work with registered third-party finance companies and refer your application to them. They make the lending decision.
Can I get finance with a less-than-perfect credit history?
Often, yes. Different lenders look at different things — your current income and ability to repay matter as much as your history. Apply and we'll be upfront about your options.
Is there any obligation if I apply?
None. Applying lets us see what's possible; you're not committed to anything until you sign a loan contract.

Applying

What will I need?
  • NZ driver licence
  • Proof of income (recent payslips or bank statements)
  • Proof of address
  • Details of any trade-in
How long does approval take?
Many applications are answered the same business day, but it depends on the lender and how quickly supporting documents come through.
Can my trade-in be the deposit?
Yes. The value of your trade-in can be used towards your deposit, even if there's still money owing on it.

Repayments, rates & terms

How long can I borrow over?
Terms are usually between 1 and 6 years. A longer term lowers each repayment but increases the total interest you pay.
Are the calculator figures what I'll actually pay?
No — they're examples only, using an example rate of 12.95% p.a. and example fees. Your actual rate, fees and repayments depend on your credit profile, the lender and their responsible lending assessment.
Can I pay my loan off early?
Usually yes, though some lenders charge an early repayment fee. The lender will explain this in your loan documents.

Security & legal

Will the car be security for the loan?
In most cases the vehicle is registered as security on the PPSR. Some lenders also require comprehensive insurance for the term of the loan.
Is this financial advice?
No. We can explain how finance works, but we don’t provide financial advice. If you’re unsure whether finance is right for you, talk to a licensed financial adviser or a free budgeting service such as MoneyTalks.

Ready?

Apply for finance

About five minutes, no obligation. We’ll be in touch with your options.

Start application

Not sure yet?

Ask us anything

Call 022 438 7661 or send a message and we’ll talk you through it — no pressure.

Finance enquiry

All finance applications are subject to approval and responsible lending criteria by registered third-party finance providers. Ray Motors does not provide finance directly, nor financial advice. Repayment examples are illustrative only and do not constitute an offer of finance.