f you don’t have much of a budget but you really need a car, then consider buying a used unit. People are constantly upgrading to something new so there are lots of old ones up for grabs at reasonable prices. Remember that cars depreciate rapidly over time so you can get a great deal on a model you really liked a few years ago if you buy it now. Maybe you have even seen one displayed at a local used car dealership. Before you go out there and apply for a car loan NZ lenders provide, check your options and make sure that you are getting the best deal possible.
Note the selling price posted on the local shop. Now go online and look for the same model. You are likely to see dozens of ads from owners who are trying to sell their cars. Compare their prices to what your dealer is asking for. You are likely to find several options with lower numbers. Check out the pictures of the interiors and the exteriors. Do you like the colors? How many miles are on these cars? What year did they come out? How many owners have there been before you?