Most Popular
Car Finance
Get behind the wheel today with 0 deposit options tailored to fit your budget perfectly.
Your Trusted Finance Partner
Affordable Finance, Made Simple
Winstone Finance streamlines car loans, personal loans, and vehicle insurance with fast approvals and flexible terms tailored for every New Zealander.
- Fast 24-hour approvals
- 0% deposit options available
- No hidden fees — ever
1,500+ Happy Kiwis
Approval
One Day
Approval
Available
0% Deposit
On most vehicles
100% NZ Based
Local team, local knowledge
5+
Years helping Kiwis get moving
98% Satisfaction
Based on customer reviews
Why Choose Winstone
Financial Support Beyond Friendship, When It Matters Most
At Winstone Finance, we believe getting a loan shouldn't feel like an interview. Our dedicated New Zealand finance specialists take the time to understand your needs, goals, and circumstances to provide tailored finance solutions that work for your lifestyle and future.
- Fast 24-Hour DecisionsMost applications assessed and approved within one business day.
- 0% Deposit OptionsDrive away sooner — zero-deposit finance available on most vehicles.
- 100% NZ Based TeamReal people with local knowledge who understand your situation.
- No Hidden FeesWhat we quote is what you pay. Complete transparency, always.
- Flexible RepaymentsWeekly, fortnightly, or monthly — structured around your life, not a template.
What We Offer
Finance Solutions Built for Everyone
Everything you need to get moving — under one roof, with one team.
Personal Loans
Quick approvals and flexible repayment terms for whatever life throws your way.
Vehicle Insurance
Comprehensive coverage at competitive rates so you drive away with complete peace of mind.
Not sure which product fits you best? Talk to our team — we'll point you in the right direction.
Loan Calculator
See What Your Repayments Look Like
Adjust the sliders to estimate your weekly, fortnightly, or monthly payments — no credit check required.
Loan Amount
$22,000
$1,000$50,000
Specify the total amount you want to borrow.
Interest Rate
8.5%
1%25%
Annual interest rate for the loan.
Loan Term
48 months
12 months84 months
The duration of the loan in months.
Monthly Payment
Estimated monthly payment for your loan.
$542.26
Fortnightly Instalment
Total repayment: $26,029
$250.28
Weekly Instalment
Total repayment: $26,029
$125.14
Loan Summary
Total Repayment
$26,029
Total amount payable over the loan period.
Total Interest
$4,029
Total interest payable over the loan period.
Principal 85%Interest 15%
Apply Now — It's Free
*Indicative only. Actual rates and repayments depend on your credit profile and applicable lending criteria.
3-Step Process
From Application to Keys — In Days
A simple three-step journey designed around you — fast, transparent, and fully NZ-based.
Step 01
Apply Online
Complete our simple form in minutes from any device. No paperwork upfront — just the basics about you and what you're after.
- Takes under 5 minutes
- No credit check upfront
- Apply from any device
Step 02
Get Approved
Our NZ-based team reviews your application and gets back to you — most decisions within 24 hours. We compare across our lending panel to find your best fit.
- Decisions in as little as 1 hour
- Multiple lenders compared for you
- No obligation to proceed
Step 03
Drive Away
Sign your finance agreement and collect your vehicle. We handle all hassles on your behalf, allowing you to focus confidently on the open road ahead.
- Choose your settlement date
- Full support throughout
Apply Now — It Only Takes Minutes
*Terms & Conditions and Lending Criteria apply
Customer Reviews
Real Stories from Real Kiwis
Over 1,500 Kiwis financed. Here's what they have to say.
“I was nervous about applying for finance, but the Winstone team made it genuinely easy. Approved in under a day, and I drove away in my new Hilux that weekend. Best experience I've had with any lender.”
Sarah M.
Auckland · Toyota Hilux
Reviews collected from Google and direct post-settlement customer surveys.