Finance Information
At 2 Cheap Cars, we make car financing quick and easy
We offer quick & easy, competitive vehicle financing through 2 Cheap Cars Limited, where we work hard to make your vehicle purchasing experience as hassle-free as possible. We can offer a finance package that you are completely comfortable with - one that suits your budget and your lifestyle.
At 2 Cheap Cars, we are committed to responsible lending, and whatever your current situation, we are here to work with you to ensure you make a completely informed decision. Helping you find the right vehicle finance package is our priority, ensuring it fits within your budget and our finance providers lending requirements. No matter whether you’re self-employed or working nine to five, we understand your circumstances, and we are here to help in each step of the process.
You will see finance repayments advertised with each of our vehicles. Whilst these are examples, they provide you with information such as how the repayments are calculated, including interest rate, deposit, term and the total amount payable over the term. If you make your own selection as to term and deposit, you will see this information is automatically updated.
Responsible Lending & Borrowing
2 Cheap Cars Limited and it's lending partners honour the obligations to lend responsibly, are regulated by the Credit Contracts and Consumer Finance Act and are guided by the Code of Responsible Lending.
We provide you with...
A range of interest rates and finance terms
Repayments to suit your budget
Full disclosure around how repayments are calculated
Ability to use your trade-in as your deposit
Options if you don’t have a deposit or trade-in. We can evaluate your circumstances and see if there is a solution for you.
Applications that are quick & easy, apply online whenever you want!
Finance FAQ's
You can always pay off your loan early. In regards to the applicable charges or fees, please contact your finance company for more details.
Finance Now: https://www.financenow.co.nz
NZ Motor Finance: https://www.nzmotorfinance.co.nz
CFS Finance: https://www.cfsfinance.co.nz
Thorn Finance: https://thornfinance.co.nz
Avanti Finance: https://www.avantifinance.co.nz
Branded Financial Services: https://www.brandedfinancial.co.nz
We work with numerous finance companies providing financial services to a variety of customers holding different licences ie Learner's Licence, Restricted Licence, Full Licence or Overseas Driver's Licence.
Yes, we can help you apply for finance if you are on a benefit. Please contact our nearest branch and speak with one of our friendly team members.
Finance companies will always do a credit-check on anyone who applies for a loan. If you have missed any large payments in the past, we’ll discuss with you about why they occurred.
Everyone deserves a second chance. If your reasons for missing large payments are genuine, we’ll look at finding a suitable solution for you. We work with a range of finance companies who may well be able to assist us with your situation.
Your loan repayments will depend on how much you borrow, and for how long.
The frequency of repayments will be matched to your income, being either weekly, fortnightly or monthly.
We will work with you to get the repayments to a suitable amount.
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 making a purchase and/or getting a loan.
There are free and independent budgeting services available to help assess your finances, and help you with a budget.
FMA has given guidelines for responsible lending and responsible borrowing. It is wise to become familiar with these recommendations.
Sorted is a website offering plenty of free and user-friendly online budgeting tools and advice. Visit www.sorted.org.nz
MoneyTalks is a free helpline available to provide free budgeting advice to individuals, family and whānau. Call 0800 345 123 or visit www.moneytalks.co.nz
