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Credit Worries?

We’ve partnered with the NZ’s leading lenders so we can always do our best to support you

Buying a Car with Finance

Car finance may seem unrealistic if you have credit worries but we have relationships with some of the NZ’s leading car finance lenders who look at what people can afford now rather than what’s happened in the past.

And, when it comes to offering you a loan to buy your car, our finance partners simply look at your ability to pay us now and in the future.

A less than perfect credit history shouldn’t stand between you and the car you need.

You’re in Control

We understand that if you need a car, you need a car. That’s why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone.

We want you to feel confident and comfortable discussing your needs with us. Our Advisors help customers every day from a wide range of financial circumstances. Our typical APR is 12.9% APR representative but you can choose between 36 – 60-month payment terms.

The best way to find out whether you can get credit with us is to start the online application process.

The Finance Application Process

Apply For Finance Online

Simply complete the online application form and we'll do the rest for you. If you need assistance just call us on 020 8969 5511 and we’ll support you in completing your application.

Soft Credit Search

This is how we're able to select the right lenders for your circumstances. This check will not affect your credit score.

Credit Search

Once the soft search is complete and we have an understanding of your circumstances we will pass your application to multiple credit providers in order to give you the best chance of securing finance*.

Come in and See Us

Upon a successful application, we'll arrange an appointment for you to see one of our Finance Managers where you can finalize your finance agreement and car purchase**.

At Portage we offer Hire Purchase(HP) which means you will have fixed monthly repayments with no hidden extras.

We can arrange fixed monthly payments over a 3,4 or 5-year finance plan. Whichever suits you best.

Yes, simply fill out our Finance Application Form. If you prefer, you can talk to one of our SAF Approved Business Managers face to face or call our Finance Team for further support on 020 8969 5511. Our team are available 7 days a week, Monday to Saturday, 9am until 6pm and on Sunday 10am – 3pm.

Your NZ driving licence. An NZ Passport if using NZ driving licence. You will also need two proofs of address dated within the last 90 days, e.g. bank statement, council tax statements or other utility bill. We’re unable to accept mobile phone bills as proof of your address. You will also need proof of income.

* This may result in multiple credit searches on your credit report.
**Please note that if accepted, the vehicle is not automatically reserved. Please enquire for more details.
Portage Limited is registered in New Zealand with company number: 01407612. Registered office for Poratage Premium Cars : 45 Veronica street, New Lynn, Auckland and Portage Cars : 8 Portage road, New Lynn, Auckland
Portage acts as a credit intermediary and only offers credit products from a number of carefully selected lenders Including BNP Paribas and Blackhorse who may pay us for introducing you to them.
Portage is authorized and regulated by the Financial Conduct Authority. Our FCA registered number is 307782.
Finance is available subject to status, to NZ residents aged 18 years and over. Indemnities may be required. Conditions may apply depending on credit score status.

Travelling Directions to Portage cars

Portage premium cars

45 Veronica street, New Lynn, Auckland 0600

Portage cars

8 Portage road, New Lynn, Auckland 0600

Opening Hours

8 Portage road, New Lynn, Auckland 0600