About Online Car Loans and Community Financial Services (CFS)

At Online Car Loans, our goal is to provide private car buyers with fast, flexible and friendly car finance options.

We live by our company’s philosophy, to always ’treat people how we want to be treated’. That means being helpful, open and honest when it comes to organising car finance for people buying a car privately.

We strongly believe that people need to understand their budgets and not over-commit to a car loan payment; we don’t want our customers having to worry about school fees or Doctor's bills because their car finance payments are too high.

It is also important that we help protect you in the event the worst happens. This is why we always recommend you protect you and your car loan with our full protection package, which includes: a 3 year warranty, Guaranteed Asset Protection (GAP), Payment Protection Insurance (PPI) and a 2 year Vero motor insurance policy.

And to make protecting you and your car even easier, all of this can be included in your affordable weekly payment!

Why Finance your next car with us?

Fast, competitive and personalised car loans, structured just for you!

  • Competitive Rates

  • Fast Approvals

  • Flexible Payment Options

  • Here to Help

Getting the right vehicle finance is just as important as finding the right car! Community Financial Services have plenty of experience helping Kiwis, just like you, to get a car loan that works for you. It doesn't matter whether you’re self-employed, a stay at home mum or working 9 to 5; we understand your circumstances and are here to help.

People make our decisions, not computers.

We believe that people are better at understanding people then a computer, that's why all of our decisions are made by real people and not a machine. This means that if your situation is a little outside the square or your finances a little complicated, we can work together to find the right car loan for you.

 No Obligation Pre-Approvals

Discover your true buying power by getting pre-approved.

  • Be a ‘Cash Buyer’

  • Get the Best Deal

  • Know Your Budget

  • Friendly Service

Before you start browsing the thousands of cars on the internet, it would definitely help to know your budget and price range! By talking to us today about a no obligation pre-approval, we can work with you to determine your budget and tell you exactly what that turns into as a ‘cash price’.

Why get a pre-approval?

With our no obligation pre-approved car finance, you will know exactly what you can spend and how much your payments will be before you start looking.

Car loans paid right away!

Get your new car quick! Once your loan documents are signed we can usually pay the selling that day, so you will be driving your new car sooner.

 Car finance designed for you.

We know everyone's situation is unique, so we offer tailored packages to fit with you. We have car loan terms from 6 months to 6 years, with easy weekly, fortnightly or monthly payment options.