Applying for Vehicle Finance

Wholesale Cars Direct vehicle finance is a no hassle, stress free facility with rapid turnaround time. At Wholesale Cars Direct we have aligned ourselves with New Zealand's leading finance companies for your safety. UDC, Marac and Finance Now are the finance companies we trust the most for your next vehicle, they are consistent and competitive. Yet if you have a preferred finance company we have the facilities to work with you to make this process extremely simple.

Pre approved finance customers find it a lot easier to go straight through Wholesale Cars Direct due to our rapid facilities. As an agent for many finance companies, most pre approvals that customers organise outside of Wholesale Cars Direct are generally under written by the main finance companies we use.

The simplicity of talking to Steve or Ramon compared to a bank could save you a lot of time and money. This is why our customers enjoy our service so much, simply hassle free.

The new responsible lending code has made it difficult and time consuming with many lenders and agents, this is not the case with financing at Wholesale Cars Direct.

In most cases from the time a customer decides on a vehicle to the time it can be driven away, financing a vehicle with Wholesale Cars Direct will take 45 minutes.

Read our Terms, Conditions and FAQs here.

Interest Rates vary from 9.60% p.a. to 14.60% p.a., and the actual rate charged will depend on many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and risk profile.

For a no obligation finance application, either click the link below, or for more personalised service please give Steve or Ramon a call on 0800 22 44 02 extension 2. Any information given is 100% confidential.

How long will it take? What should I bring?

Applications generally don't take more than 10 minutes.The process is completing the finance application, waiting for approval, then signing finance documents.

We aim for a 45 minute turn around for those customers that want to utilise our simple hassle free services. On the off chance a customer has adverse credit, this process may take a little longer.

What you need to bring

Wholesale Cars Direct acts as a professional agent for many finance companies, we by law have to abide by the new responsible lending code.

To make sure we can provide the efficient service our customers appreciate, it is imperative that you bring or send us the following information for you to be able to take delivery of your new vehicle in a time frame that you require. So please remember to bring with you or send to Steve or Ramon;

  • Drivers licence
  • Proof of Income (Payslip or one month’s bank statement) *Not applicable for a home owner
  • Bank account number
  • Proof of address (Recent power bill, rates bill, recent bank account statement, tenancy agreement, car registration notification).

Please note the above can’t be older than 3 months and requires your first and surname/s to be present.

New to NZ?

Building a credit history in New Zealand can be beneficial for future borrowings, we can advise and help you to get this credit history started.

We understand every situation is different, and recommend coming into the dealership or phoning Steve or Ramon to simplify the process for you. 0800 22 44 02 ext. 2

Insurance and Warranties

Protecting your new vehicle

Confidence in who you’re dealing with

In today’s market, no matter where we go, or what we buy, we are always offered warranty options. When it comes to buying vehicles clearly we must stop and listen.
Today’s generation of vehicles (Japanese and European) have evolved to have so many mechanical, electrical and electronic components that are complex. Even minor things can be difficult to diagnose and expensive to fix.

With the various vehicles on offer and various facilities associated, you need to be aware that all warranties are NOT created equal. Be assured through WCD, that all of the guess work has been taken out of the equation.

At WCD, we will always seek out and only ever offer, the very best facilities. We don’t just stop there, we represent their brands as if they were our own, offering you total support, 100% dealer backed.

Additional benefits of choosing Provident Mechanical Cover through WCD

Customers who choose to buy into the programme, get 100% backed by WCD. Due to our size, relationship and history with Provident, we utilize a FULL time after sales manager within our team. This puts WCD in a unique position in the industry to be the customers best advocate should a claim situation occur. The aftersales manager will offer to advise and /or facilitate any claims, to ensure you are never left inconvenienced.

Nationwide cover – Provident provides a large network, stretching to literally every corner of NZ. Whether you live there or are just visiting, Provident assistance is available (24/7). So if you are a local buyer (Wellington), or buying one of our cars from out of town, the facility options are the same.

The WCD/Provident Difference - What to compare

For those of you who like to do their research, here is what you will want to compare:


  • All of WCD’s vehicles are serviced in-line with Providents expectations, meaning your first service is not due until the next regular service interval - Make sure you check this, as many other policies will request an earlier service, costing you unnecessarily.
  • No wear ‘n’ tear clause – Make sure you check this. With Provident, this means that even an oil leak is covered. Many policies on the market will wriggle their way out of a claim with this clause.
  • Mechanical, electrical and nowadays more importantly electronic and diagnostics cover – Make sure you check this. So important and assuring knowing that almost every possible fault with a car will fall into one of these categories.
  • Time and Labour – Make sure you check this. It’s not just the part that is required. A lot of the bill is made up in time spent diagnosing and repairing the problem.
  • Minor and Major – Of course it is assuring to know if a major component (ie transmission) in your car fails you have cover to sort this. With most vehicles it is the ‘little things’ that cause the most frustration and inconvenience (i.e. Electric window switch or air-con stops working).
  • Factory audio – This is big. How many cars nowadays come standard with reverse cameras integrated into your entire dash and have associated music facilities like – AUX/USB and Bluetooth. Make sure you check this, as it’s no longer just a jammed CD that causes issues.
  • Many warranties on the market, dictate to you on where you must go to have repairs and /or services carried out. With Provident, you are not dictated to on where to have your vehicle serviced/repaired. You will find there are many Provident approved outlets throughout NZ, along with most MTA garages that can look after your car. So if you trust your local mechanic, you should find they’re approved to keep you up to date with your regular servicing and carry out any claims. Just mention Provident before commencing any requests. Any job too big, they have got Provident to call on.

This is only a brief summary of why we offer the best cover. Please contact our business managers to discuss further.

For more information on the features and benefits of our Mechanical Breakdown Insurance policies please view our Summary of Cover.

Summary of cover

Please Note: This is a generic summary of the cover provided under each policy. For a full list of specific terms, conditions and benefits please refer to your Registration Certificate and the MBI Policy Booklet wording.

Pinnacle Cover
Qualifying Vehicles These policies cover:

Standard Vehicles - that are less than 12yrs old or which have travelled less than 160,000kms at the date the policy commences cover.
Turbo, European or Diesel Vehicles - that are less than 12yrs old or which have travelled less than 160,000kms at the date the policy commences cover.
Luxury Vehicles - that are less than 10yrs old or which have travelled less than 100,000kms at the date the policy commences cover.

The vehicle policy type is shown on the Registration Certificate which forms a part of the policy document.
Claim Limits Standard Vehicles - Unlimited per claim
Turbo, European or Diesel Vehicles - Up to $10,000 per claim
Luxury Vehicles - Up to $10,000 per claim

The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Excess Options A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim.

The amount of the claim limit applicable to a vehicle is shown on the Registration Certificate which forms a part of the policy document.
Special Benefits Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance Option Your policy provides full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
This is only a brief summary of cover, please see policy certificate and booklet for full terms, conditions and benefits.

Payment options :Coming Soon
  • Apply For Finance

To apply now you can fill in the online form by clicking below. If you would rather speak to a Business Manager the application only takes 5 minutes and either Steve or Ramon are available on 0800 22 44 02 8:30am - 5:00pm 7 days a week.