Smart finance. Real possibilities
Finance made simple.
Plans made for you.
Smart financing solutions for life's big decisions and your business growth.
Why choose Capital Financial Services
Personalised Service
We take the time to understand your needs and find the right solution for you.
Fast Approvals
Get a decision quickly so you can focus on what matters most.
Competitive Rates
Our finance options are designed to offer you flexibility and value.
Trusted Local Experts
Proudly helping Kiwis for over 25 years. We're here for the long run.
Our finance solutions
Finance for what moves you.
Car Finance
New or used, private or commercial. We'll help you get there.
Bike Finance
Hit the road with flexible finance options for bikes of all kinds.
Boat Finance
Set sail with finance solutions that keep things simple.
Caravan Finance
Explore more with finance that gives you freedom and flexibility.
About Capital Financial Services
Trusted finance,
backed by
experience.
For over 25 years, Capital Financial Services has helped New Zealanders access straightforward, tailored finance solutions. With an experienced team and a commitment to personal service, we make the finance process clear, reliable and easy to understand.
Resources & guides
Helpful guides to support your journey.
Buying a Car?
Our guide to smart car buying and finance
Bike Finance 101
Everything you need to know before you ride.
Boat Ownership Costs
Plan ahead with our helpful cost breakdown.
FAQs
Frequently Asked Questions
How much can I borrow?
The amount you can borrow depends on your income, credit history, and the type of loan. Our team will help you find the right financing solution for your needs.
What does pre-approval mean?
Pre-approval means your finance is arranged before you go shopping. It can be a real advantage when negotiating, because you are shopping as a cash buyer.
Do I need a deposit?
We can provide 100% finance to applicants who have lived at their address for 2 or more years, have a clean credit history and stable full-time employment. You do not need to own a home. Otherwise we usually need some equity, typically 20% of the loan amount. That can be a cash deposit, a trade-in, or security over a second vehicle or a boat.
Let's talk
Finance made easy for you
Get in touch with our team and let's find the right solution for your goals.