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    Private Sale Car Loans & Finance

    If you need to update your car, get something bigger that will fit the whole family, or are looking to purchase your first car, don’t get stuck with limited options because of your finance company. Some lending institutions will limit you to only a list of approved car dealerships. However, at Active Finance, we realise that these aren’t necessarily the best place for you to buy your car. That’s why we offer private sale car loans. That way, you get maximum freedom in selecting where you buy your car from, whether you buy it from friends, family members, online or any other form of private sales.

    With a car loan from Active Finance, you can also get pre-approval for your loan, so you can shop with confidence knowing exactly how much you have to spend, and that you will have the money available almost immediately when you find the right vehicle for you. What’s more, when you have your loan pre-approved, you can make an offer to buy in cash, so you get maximum negotiating power.

    When we arrange a car loans or finance for private sales, we make sure we are getting you the best interest rate possible. We also keep our fees as low as possible, so you can use your money to buy a car, rather than spending a large proportion of it on administration costs. That means you can buy the car you’ve earned, not just what you have leftover after the loan application process. Active Finance also offer flexible repayment terms, so you can choose a car loan option that suits your financial situation best, now and in the future.

    If you apply for a car loan with Active Finance, we won’t subject you to the ‘usual lending criteria’. We understand that people in all sorts of different situations require loans for cars to help out with work, family and social activities. When you apply for a car loan for a private sale, we treat your application individually, and assess it based on your ability to pay back the loan, not on your past credit history. That means we can help almost anyone, including people applying for their first loan, and people that may not have the strongest credit history possible. We’re more interested in helping you purchase the car you want than finding reasons not to approve your loan.

    To get started with your car loan for private sales today, fill out our simple online application form , and you’ll see just how quick and painless it is to get your loan approved with Active Finance. Alternatively, check our options for vehicle financing , or get in touch  with our friendly and experienced team for the best advice on securing your car loan.

    Apply Now


    Latest Client Testimonials

    see what others have to say about us

    NISA - Auckland
    April 3, 2014

    Thank you so much for your help with everything.  Your service was friendly and efficient and the only hold ups were from my end of the operation.  I would highly recommend your services. Amazing work!  Thank you Nisa

    Paama - Hamilton
    January 6, 2014

    "A big shout out to Craig and Matt. You guys provide service with a smile. The process was incredibly fast and easy and before you know it, you're on the road enjoying the car. Thank you so much for your service and time. I would definitely recommen »Read more

    Larissa - Auckland
    January 7, 2014

    ..Thank you so much for helping me out with my mum's funeral, I couldn't do much if it wasn't for you. I really appreciate your support. Have a blessed day. Larissa

    Milo - Auckland
    December 17, 2013

    Kerianne, I am writing again to express my sincere and hearty gratitude and appreciation for your kind help in processing my loan so quickly. I wish to commend you highly for the professional and efficient manner in which you handled my application f »Read more

    Martena - Auckland
    November 28, 2013

    Thankyou so much for your all help.  It was fast and the service was amazing.  I would just like to thank you Matt and Colin - you made the process so easy and you were both just awesome to deal with.  Hard to find great service these days.

    AMY - Rotorua
    December 6, 2013

    To Matt and the rest of the team at active finance.  AMAZING  is all I can say.  thank you for the fantastic service from Matt it was so nice to have someone working so hard to help and be totally on my side.  you have truly made a huge differenc »Read more

    Gail - Auckland
    November 27, 2013

    I have been dealing with Active Finance now for a couple of years. When I first went to apply for the loan I was feeling very vulnerable and unsure.However from the moment I entered the building until conclusion I have found that Matt and the team »Read more

    Stacey - Christchurch
    November 22, 2013

    "Great service, quick turnaround and money was in my account the same day as the loan documents were signed. Would recommend and use again"

    Melissa - Auckland
    November 21, 2013

    First of all Matt, thank you so much for all your help and support to both my parents and I. Your went beyond to help us, and you understood our situation without making us feel disgarded.  We had such a difficult time trying to sort something out »Read more

    Doris - Auckland
    November 8, 2013

    Thank you so much for the help I've received in topping up my loan. It's easy, quick and most importantly  stress free. One of the best service I've received and it was all done on email. To top it off I've dealt with the same person at different »Read more

    Joanne - Auckland
    November 7, 2013

    I would like to say a HUGE thanks to AFL.  You have made the process from signing docs, to getting my new family car a breeze.  It was like I clicked my fingers and there it was within a matter of a few days.  Helpful, smiley and friendly team, wi »Read more

    Hayden - Waikato
    November 1, 2013

    Thanks for the Loan, I felt really look after and they were there to help me all the way, used them once and about to use them again, excellent service and people, highly recommend giving them a call. Hayden

    Priscilla - Auckland
    October 30, 2013

    Thanks Craig for the great advice & service, extremely professional & helpful team.

    Nicola - Auckland
    October 22, 2013

    Best finance company I have dealt with in a long time  fast efficient and very friendly I'd like to thank the team for helping me get to where I am. My debt consolidation has really helped me get to where I want to me financially faster then expecte »Read more

    Joanne - Auckland
    October 18, 2013

    Amazing is all I can say..They helped us out in a time of need and even saved us money in the long run..Very quick and was all sorted in a blink of a eye so thank you so so much Graig.You saved us.A+++++ all the way

    Sara - Auckland
    October 16, 2013

    Thank you so much Active Finance (Craig)  for helping me in my time of need you guys are awesome! I had an absolute great holiday thanks to the outstanding service of your crew helping me out financially! Active Finance Rocks!

    Vanessa - Auckland
    October 10, 2013

    Very polite people, lovely to deal with, and the rates weren't bad either!!! always a bonus. Would use again definitely.

    James - Auckland
    October 7, 2013

    Thanks for the loan craig i am now driving my dream car xr6t ill be back great service

    Sue - Auckland
    October 2, 2013

    Hi AFL a big Hi Five to you all great service with a smile i may add! Big ups to having a better rate than my bank! My bills are now consolidated you have one very very happy customer a big thanks to the whole team!

    Lani, Auckland
    July 17, 2013

    I recently purchased a car through City Motor Group and have been dealing with Matt at Active Finance for vehicle finance. I would just like to say a hug thank you for the fast , prompt service. We were communicating  via e-mail and Matt was always »Read more

    Kerri, Auckland
    June 14, 2013

    Dear Matt and the Active Finance team, WOW!!! I am so impressed with the services I received while dealing with you! I applied for a loan and in ONE day I had an approval! It was such an easy process, and you were super helpful! I will be only too h »Read more

    Wendy, Auckland
    July 4, 2013

    I found Active Finance a pleasure to work with, they were prompt in responding, pleasurable to communicate with. They also worked with me to help out with what I needed.. I would highly recommend them..

    Keleni, Auckland
    June 24, 2013

    Hi Craig, I am really impressed with your dedication towards the service you provided us for the car lend. We really appreciate the follow ups and dedication in the last week as if it wasn’t for your follow ups our insurance company would have nev »Read more

    Owen, Auckland
    August 9, 2013

    Hi Kerianne, My new car is awesome and I was really happy with the loan you guys arranged for me, very kind staff there. Thank you

    Fatu, Auckland
    May 13, 2013

    I would like to thank you for your incredible services. You have helped me with one of my dreams which was to provide a safe vehicle for my family. The service that you provide is exceptional! The people were very helpful and kind and they were able »Read more

    Kerry, Auckland
    July 10, 2013

    In my dealing with kerianne. I found her to be friendly helpful and committed to making sure my experience was satisfying, and I purchased what I needed with no hassles. I would recommend her service to anyone purchasing any vehicle from her. Your »Read more

    Jamie
    July 24, 2013

    My experience with Active was a great pleasure, they helped me with finance and even though I thought I couldn't afford it, they worked out payments for me that was very affordable. With great customer service and fast responses I highly recommend »Read more

    Deanne, Auckland
    April 16, 2013

    The service I get from you is always superb! Super friendly, prompt and you never fail to communicate with me right up to the point of the funds being in my account!! I have nothing but positive feedback for you Matt and your team! Thank you!!! &n »Read more

    Etuate, Auckland
    May 24, 2013

    Hi Colin, thank you I've got the new car now and just wanted to say that I really appreciate all your help thanks....

    Matt, Auckland
    August 12, 2013

    With a slightly marred credit history I was expecting to be penalized with heavy interest rates every time but I have used Active Finance as my broker for my last 3 cars and time and time again they really have gone the extra distance and come throug »Read more

    Emma, Auckland
    May 22, 2013

    I just want to say - THANK YOU so much for making everything so easy.  After just a few hours and just within a day, I received confirmation of the approval. Where I would have to wait for another week to be able to come and sign the docs, you made »Read more

    Daphne, Auckland
    May 10, 2013

    Active Finance really helped me out of a rut, I wanted to purchase a new car but due to past mistakes I didn’t have a great credit history. But Active Finance came along and really helped me out of a gloomy situation and I was able to purchase the »Read more

    Rebecca, Auckland
    May 31, 2013

    Hi Kerianne, Thank you so much for your help it's been great! I hope to get all my repairs done tomorrow. Thank you for making this process easy for me as well

    NISA - Auckland
    April 3, 2014

    Thank you so much for your help with everything.  Your service was friendly and efficient and the only hold ups were from my end of the operation.  I would highly recommend your services. Amazing work!  Thank you Nisa

    Paama - Hamilton
    January 6, 2014

    "A big shout out to Craig and Matt. You guys provide service with a smile. The process was incredibly fast and easy and before you know it, you're on the road enjoying the car. Thank you so much for your service and time. I would definitely recommen »Read more

    Larissa - Auckland
    January 7, 2014

    ..Thank you so much for helping me out with my mum's funeral, I couldn't do much if it wasn't for you. I really appreciate your support. Have a blessed day. Larissa

    Milo - Auckland
    December 17, 2013

    Kerianne, I am writing again to express my sincere and hearty gratitude and appreciation for your kind help in processing my loan so quickly. I wish to commend you highly for the professional and efficient manner in which you handled my application f »Read more

    Martena - Auckland
    November 28, 2013

    Thankyou so much for your all help.  It was fast and the service was amazing.  I would just like to thank you Matt and Colin - you made the process so easy and you were both just awesome to deal with.  Hard to find great service these days.

    AMY - Rotorua
    December 6, 2013

    To Matt and the rest of the team at active finance.  AMAZING  is all I can say.  thank you for the fantastic service from Matt it was so nice to have someone working so hard to help and be totally on my side.  you have truly made a huge differenc »Read more

    Gail - Auckland
    November 27, 2013

    I have been dealing with Active Finance now for a couple of years. When I first went to apply for the loan I was feeling very vulnerable and unsure.However from the moment I entered the building until conclusion I have found that Matt and the team »Read more

    Stacey - Christchurch
    November 22, 2013

    "Great service, quick turnaround and money was in my account the same day as the loan documents were signed. Would recommend and use again"

    Melissa - Auckland
    November 21, 2013

    First of all Matt, thank you so much for all your help and support to both my parents and I. Your went beyond to help us, and you understood our situation without making us feel disgarded.  We had such a difficult time trying to sort something out »Read more

    Doris - Auckland
    November 8, 2013

    Thank you so much for the help I've received in topping up my loan. It's easy, quick and most importantly  stress free. One of the best service I've received and it was all done on email. To top it off I've dealt with the same person at different »Read more

    Joanne - Auckland
    November 7, 2013

    I would like to say a HUGE thanks to AFL.  You have made the process from signing docs, to getting my new family car a breeze.  It was like I clicked my fingers and there it was within a matter of a few days.  Helpful, smiley and friendly team, wi »Read more

    Hayden - Waikato
    November 1, 2013

    Thanks for the Loan, I felt really look after and they were there to help me all the way, used them once and about to use them again, excellent service and people, highly recommend giving them a call. Hayden

    Priscilla - Auckland
    October 30, 2013

    Thanks Craig for the great advice & service, extremely professional & helpful team.

    Nicola - Auckland
    October 22, 2013

    Best finance company I have dealt with in a long time  fast efficient and very friendly I'd like to thank the team for helping me get to where I am. My debt consolidation has really helped me get to where I want to me financially faster then expecte »Read more

    Joanne - Auckland
    October 18, 2013

    Amazing is all I can say..They helped us out in a time of need and even saved us money in the long run..Very quick and was all sorted in a blink of a eye so thank you so so much Graig.You saved us.A+++++ all the way

    Sara - Auckland
    October 16, 2013

    Thank you so much Active Finance (Craig)  for helping me in my time of need you guys are awesome! I had an absolute great holiday thanks to the outstanding service of your crew helping me out financially! Active Finance Rocks!

    Vanessa - Auckland
    October 10, 2013

    Very polite people, lovely to deal with, and the rates weren't bad either!!! always a bonus. Would use again definitely.

    James - Auckland
    October 7, 2013

    Thanks for the loan craig i am now driving my dream car xr6t ill be back great service

    Sue - Auckland
    October 2, 2013

    Hi AFL a big Hi Five to you all great service with a smile i may add! Big ups to having a better rate than my bank! My bills are now consolidated you have one very very happy customer a big thanks to the whole team!

    Lani, Auckland
    July 17, 2013

    I recently purchased a car through City Motor Group and have been dealing with Matt at Active Finance for vehicle finance. I would just like to say a hug thank you for the fast , prompt service. We were communicating  via e-mail and Matt was always »Read more

    Kerri, Auckland
    June 14, 2013

    Dear Matt and the Active Finance team, WOW!!! I am so impressed with the services I received while dealing with you! I applied for a loan and in ONE day I had an approval! It was such an easy process, and you were super helpful! I will be only too h »Read more

    Wendy, Auckland
    July 4, 2013

    I found Active Finance a pleasure to work with, they were prompt in responding, pleasurable to communicate with. They also worked with me to help out with what I needed.. I would highly recommend them..

    Keleni, Auckland
    June 24, 2013

    Hi Craig, I am really impressed with your dedication towards the service you provided us for the car lend. We really appreciate the follow ups and dedication in the last week as if it wasn’t for your follow ups our insurance company would have nev »Read more

    Owen, Auckland
    August 9, 2013

    Hi Kerianne, My new car is awesome and I was really happy with the loan you guys arranged for me, very kind staff there. Thank you

    Fatu, Auckland
    May 13, 2013

    I would like to thank you for your incredible services. You have helped me with one of my dreams which was to provide a safe vehicle for my family. The service that you provide is exceptional! The people were very helpful and kind and they were able »Read more

    Kerry, Auckland
    July 10, 2013

    In my dealing with kerianne. I found her to be friendly helpful and committed to making sure my experience was satisfying, and I purchased what I needed with no hassles. I would recommend her service to anyone purchasing any vehicle from her. Your »Read more

    Jamie
    July 24, 2013

    My experience with Active was a great pleasure, they helped me with finance and even though I thought I couldn't afford it, they worked out payments for me that was very affordable. With great customer service and fast responses I highly recommend »Read more

    Deanne, Auckland
    April 16, 2013

    The service I get from you is always superb! Super friendly, prompt and you never fail to communicate with me right up to the point of the funds being in my account!! I have nothing but positive feedback for you Matt and your team! Thank you!!! &n »Read more

    Etuate, Auckland
    May 24, 2013

    Hi Colin, thank you I've got the new car now and just wanted to say that I really appreciate all your help thanks....

    Matt, Auckland
    August 12, 2013

    With a slightly marred credit history I was expecting to be penalized with heavy interest rates every time but I have used Active Finance as my broker for my last 3 cars and time and time again they really have gone the extra distance and come throug »Read more

    Emma, Auckland
    May 22, 2013

    I just want to say - THANK YOU so much for making everything so easy.  After just a few hours and just within a day, I received confirmation of the approval. Where I would have to wait for another week to be able to come and sign the docs, you made »Read more

    Daphne, Auckland
    May 10, 2013

    Active Finance really helped me out of a rut, I wanted to purchase a new car but due to past mistakes I didn’t have a great credit history. But Active Finance came along and really helped me out of a gloomy situation and I was able to purchase the »Read more

    Rebecca, Auckland
    May 31, 2013

    Hi Kerianne, Thank you so much for your help it's been great! I hope to get all my repairs done tomorrow. Thank you for making this process easy for me as well