We can help you to buy a car



Even if you think your credit's a bit dented - think again! With Aqua Cars, you could still get a loan for the car you need (subject to affordability). It's quick, and it's easy to put yourself in the drivers seat!

Apply now - our online application form will only take about two minutes to complete.

Online application form


Your application goes to our Applications team. Subject to affordability and receiving your information, we’ll conditionally approve your application. We'll then verify the information before making an unconditional approval. If you wish to follow up, you can call your nearest branch on:

Mangere, Auckland 0800 289 2227
West Auckland 0800 888 088
Hamilton 0800 342 583
Wellington 0800 289 2227


Now pop down to any of our four yards. You can choose yourself a car and complete some paperwork before driving away.


Choose a branch.


All car loans qualify for:

  • 24/7 AA Roadside Assist
  • Mechanical Warranty
  • Health Waiver
  • Work Waiver
  • Restart Waiver


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Hey there, would like to say thank you to Aqua Cars Wellington! Mike was amazing to deal with and helped us into our new pride and joy. The car is amazing and will be highly cherished. I would have no hesitation recommending Aqua Cars to everyone.

Mike Allen

I found the Aqua Team awesome to deal with. They even offered me a cuppa while I waited! All the staff are very patient. I loved getting my car from this finance company. Thank you.

Riria Tapiki

Smooth process, very straight- forward, nice and friendly staff who provided assistance where needed. A+++!

Robert Fotvalii

It was awesome. They really helped me find a car that suited my budget. Happy Customer.

Enidh Wilson

We didn’t have a good credit history so feel very lucky to be given a chance by Aqua Cars. You guys are great. Thanks so much for doing such a good job :) 

Faait Ansage

We have now been to Aqua Cars for the second time. Both of these times, they have helped with financing a car for us.  The service is professional and friendly so we will definitely recommend them to family and friends. Thank you for helping

Faletolu Michael Tuiletufuga

Dealing with Aqua Cars has been a good experience.  Aqua Cars don't realise how much they have helped me - being able to have a vehicle has made me and my children more independent. Thank you.

Monique Longa

Very easy with heaps of selection.  They are willing to help get you on the road. Very hard working staff - thanks heaps. 

Ruth Wairua

Excellent service and explanation of the contract and the overall agreement. Very friendly!! Highly recommend to those who have had bad experiences with purchasing a car.

Linda Toga

My overall experience was excellent.  My partner and I have struggled to secure finance due to past credit history problems so it was nice to be able to apply and be approved. A nice, friendly team

Mai-Cheree Howard

Great AAA+++!

Samuel Robert Bryant

In and out of the office in a few hours and drove away with my new car. Great place! They did absolutely everything possible to help! Great staff!!

Lyall Johnson

I am overwhelmed by the staff at Aqua Cars - the whole experience has been a pleasure. I will be recommending them to my friends and family

D Ashworth

Very satisfied with the service provided - and happy with the outcome. Cheers!

Benjamin Peoni

I think Aqua is great. No other finance company would help me due to my credit - it feels like I have a second chance thanks to Aqua. I loved the service and my car

Angelica Simeon

Very good customer service.  Everything was explained and broken down, so I was fully able to understand the contract

Hinemoa Kio

To obtain credit can be daunting - but dealing with Steve and Aqua Cars has been an absolute pleasure. He did all the work!

Anna-Marie Bowers

On behalf of my family, I take this opportunity to express our sincerest appreciation for your help with the purchase of our van. We are deeply grateful for your support and generosity. I like the plan and the package deal, it works out really awesome - job well done....


Really nice service and they even made me coffee!  No matter how busy the staff were, I wasn't forgotten. I love the cars - mine the most! Awesome staff - thank you!!

Nettie Mihinoa Walters

Tim was just awesome. The information was clear and he explained everything in depth. AN AWESOME EXPERIENCE!

Elisapeta Fuimauno

Awesome company to deal with. Everything was easy and clear to understand. Aqua has great, friendly employees who are determined to satisfy their customers.  So happy to be driving away in a safe and reliable car for my family. Thanks. 

Christina Edwards & Josh Perkins

The staff were understanding and extremely helpful, good selection of cars. 

Aaron Clair

Overall I would recommend this as a company that helps you get back on your feet and makes you feel whole again. 

Hendrik B de Vos

The process was quick and easy, staff were great, nice range of cars - would definitely come here again.

Tamara Mathieson

I found my own experience with Aqua Cars excellent. From the customer service to the call centre line, it was helpful, friendly and straight to the point.  The vehicles stocked were clean and great value for money. I feel that the extra bonuses such as AquaPac and the alarm...

Priscilla Maoa

Fast, easy, hassle free, great service, free coffee, overall sweet as!! 10/10 :

Tana McMillan

The transaction and process of getting our new car was fast & efficient and stress-free. The cars in stock were perfect. The support programmes are awesome. The staff were awesome and very helpful!


The staff were very informative and helpful and offered great service from start to finish. The cars available in stock suited my needs perfectly and because I was involved in every step of the process I felt very satisfied.

Lisa Leaf

When I first went to Aqua the experience was really good. They really helped me to get into a car because I badly needed a vehicle. I keep my car regularly serviced and I've had no troubles with it at all, it's been great. The staff have always been attentive to my needs and...

Katherine Healey

Obtaining credit was fast and the service is awesome. I will definitely come back and purchase again.

Kira Brady

I had been knocked back a few times at other places but at Aqua, it was so easy! Have had my car for two years now and it's still going perfectly and running like a dream.

Graham Hala

Overall an excellent service - I will definitely refer my friends and family.

Laurie Toki

Great service! Been taken through many cars to find my young family & me the car for us.

Beau Healey

A lot of car yards say they can help you and then don't . Aqua is not like that ... When I applied I got an answer straight away. I got my deposit together, went in and then drove out - that was pretty cool. Since then I have sent six of my friends to Aqua!

Nolene Sikei

Finding finance was hard for me but Aqua Cars made it easy and approved me in minutes.  I think the support programmes are a fantastic idea - all car dealers should have this.

Jerry Marshall

Excellent straightforward process. Cars were of exceptional standard.

Shane Campbell

"I find the Aqua staff marvellous - much better than other companies I've dealt with. They really do everything to help.

Mesepa Tuivasa

Professional from the start. Went the extra mile with awesome customer service.

Antoanette du Preer

* Subject to meeting our loan application criteria (Lassie)