Finance FAQs

Can I pay my loan off quicker, and does it accrue any early repayment charges?
You can always pay off your loan early, in regards to the charges and fees, please contact your finance company for more details. 
Do you accept a learner driver license for finance?
We work with a few finance companies that provide services to all customers ranging from Learner’s license, overseas Driver License to Full license.
Can I apply for finance if I am on a Benefit?
Yes, we can help you apply for finance if you are on a benefit. Please contact the nearest branch and speak with one of our friendly team members.
Will you lend to me if I have bad credit?
The Finance companies do a credit check on everyone who applies for a loan. If you have missed any large payments in the past, we’ll talk with you about why they occurred. Everyone deserves a second chance. If your reasons for missing the large payments are genuine we’ll look at finding a suitable solution for you.  We work with a range of finance companies which we will do our best to assist you.
What will my repayment be?
Your loan repayments will depend on how much you borrow and for how long. The frequency of repayments will be matched to your income; weekly, fortnightly or monthly. We will work with you and get the repayment to a suitable amount.
How do I work out the repayments I can afford?
To keep yourself on track financially it is very important to know where your money is going and to have a plan for managing your income and expenses. It is a good idea to work through your budget every few months, particularly if you are thinking about buying something or getting a loan.There are free and independent budgeting services that are available to help you assess your finances and help you with your budget. FMA has given guidelines for responsible lending and responsible borrowing. It is wise to read it through and get some idea around it.

Sorted - Sorted is a website offering plenty of free and user-friendly online budgeting tools and advice. Visit

MoneyTalks - MoneyTalks is a free helpline available to provide free budgeting advice to individuals, family and whānau. Call 0800 345 123 or visit

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2 Cheap Cars sell 1000+ cars a month. Because of this the suppliers that we use in all aspects of our business really look after us. When it comes to finance, our excellent relationships mean we can get your next car financed quick & easy, with very competitive rates.

No matter whether you’re working nine to five, self-employed, or brand new to NZ and on a working visa, or have an international license or a restricted or learner licence - we understand your circumstances and are here to help. We can help with all types of credit, from good to bad and everything in between,

  • Use your trade as a deposit
  • Great range of interest rates and finance terms
  • Repayments to suit your budget
  • Full disclosure around how repayments are calculated
  • Online application and approval process

If you know what car you’re after, we can approve you online otherwise simply fill out the online form below and we can look to have you approved first, and then you can take your time through our 12 dealerships finding a car that’s right for you.

Please make sure you fill out as much as possible, as it allows us to get you the best deal, and please remember to include the best time to call you if we need any further information. 2 Cheap Cars are committed to responsible lending.

Got a question? Call us on 0800 223 370