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Zero Deposit

Car Finance

Drive away with no upfront costs — 100% finance made simple.
No savings? No worries. At GoWAKA, our flexible no-deposit plans make it easy to get your first car, upgrade the family ride, or drive a reliable UTE sooner.
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How Zero Deposit Car Finance Works for You

With Gowaka’s zero deposit finance, you can cover the full cost of your vehicle without paying anything upfront. It’s a smart way to get moving now, without waiting months to save.

Finance the full amount

Cover 100% of your car or UTE’s cost no lump sum required.

Hit the road faster

Skip the saving period and upgrade or replace your vehicle right away.

Keep cash free for other needs

Save your money for insurance, rego, fuel, or unexpected expenses.

Protect your savings

Hold onto your hard-earned savings while still driving the car you want.

No Hardware Cost

Get Smart POS & EFTPOS

Zero Setup Fees

Get started quickly & easily.

No Upfront Payment

Pay $0 for EFTPOS & POS

Just $25 Weekly*

One simple price. (A 36-month contract applies. See T&Cs.)
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Zero Deposit Car Finance
Trusted by hundreds of Kiwi customers

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Finance Made Simple, Built Around You

At Gowaka, we understand that everyone’s financial needs are different. Whether you want a car quickly, prefer to keep your savings untouched, or just value flexible repayments, we’ll make sure your finance plan works for you.

Personalised to you

We’ll take a closer look at your goals and situation, then tailor finance options that genuinely fit your lifestyle.

Hassle-free from start to finish

Our process is clear and straightforward, guiding you step by step so you know exactly what to expect.

Repayments on your terms

Select a repayment plan that fits comfortably within your budget, helping you stay in control.
Loan Calculator

Plan Your Payments

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Weekly Repayments
$112
Monthly Repayments
$484
Total Amount Repayable
$5,808

The repayment amounts shown include Establishment and Introducer fees totalling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

Find out more about here.

Things to Consider Before Choosing Zero Deposit Finance

Interest rates

No deposit can mean a larger loan amount, which may affect your repayments and overall interest. Our team helps you compare options so you know exactly what to expect.

Depreciation and equity

Financing 100% of the car’s cost can sometimes leave the loan balance higher than the vehicle’s value. We’ll guide you on how to minimise this risk.

Vehicle choice

Choosing the right car within your budget is key. Gowaka works with you to ensure your repayments stay affordable and stress-free.
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Our Simple 3-Step Process

Your journey to a new car is easier than you think with Gowaka.

Apply Online

Our streamlined application takes just minutes. Simply provide your details from the comfort of your home.

Get Pre-Approved

Receive a swift pre-approval for zero deposit car finance without the long wait.

Start Driving

With your finance secured, you can immediately start shopping for your vehicle and get on the road faster.
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Your Car Finance Questions, Simplified

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 Yes, with Gowaka you can apply for car finance without putting down a lump sum upfront.

Rates can vary depending on your profile, but our team works to find the best option for you, even with no deposit.

 

 From compact cars to family SUVs  most vehicle types can be financed with our zero deposit options.

No hidden surprises. In most cases, you won’t need to pay anything upfront to get started.

 Absolutely ,a trade-in can help reduce the finance amount and lower your repayments.

 Life can be unpredictable. If your situation changes, we’ll work with you to adjust your repayment plan where possible.