Why Now is a Great Time to Buy a Car – Even If You’re Thinking “After the Holidays”

Thinking about holding off on your car purchase until after Christmas or the New Year? You’re not alone. But here’s the thing… waiting might not actually be your best move.

The Summer Holiday's is when we're all going on road trips, beach days, bach escapes or all those BBQ's with the whanau. We'll be in our cars more than ever, we want our cars looking good, and dependable. There are lots of good reasons, to delay buying a car, I'm too busy or I have a lot of expenses over the Christmas period. All perfectly good and valid reasons. 

However, what if I told you, people putting off their purchases at this time of the year actually bring prices down. With less buyers in the market looking, there are more cars available, and prices begin to drop. That's why, this time of the year, could make it easier to find the car of your dreams at an affordable price. Better yet, right now you can structure the finance so you're not making any payments until 2026.

The car I want, at a price I can afford and no repayments until February! 

 1. Summer = Freedom. Why Wait?

The Kiwi summer is made for driving. Whether you’re heading to the Coromandel, to Queenstown, or just zipping between Christmas gatherings — having a reliable, comfortable car makes it better.

There’s no point waiting until February when summer’s almost over. Imagine turning down road trips or cramming the kids into something that barely fits the chilly bin.

2. We Can Defer Your First Payment for 3 Months

Worried about buying before the Christmas spend-up? Don’t be. With iloan, we can organise deferred payments for up to 3 months, so you can enjoy the summer in your new car now and make your first payment later.

Buy in November, relax through December, summer it up in January and start repayments in the new year. Easy.

3. Beat the January Rush (and Price Hikes)

Come January, everyone’s back car shopping — which means more competition, more delays, and sometimes higher prices.

Dealers know this. December is often the last chance to snap up stock before it gets picked over. If you’ve already got pre-approval, use it now while stock is fresh and competition is low.

4. You’ll Actually Get the Car You Want

Popular models often get snapped up over the holidays. If you wait too long, the exact spec, colour or trim you’ve been eyeing might be gone. Getting in before the rush means better options, faster delivery, and less stress.

5. Make the Most of Summer Adventures

Life’s too short to spend summer stuck at home (or on the side of the road with your old car). Your new car isn’t just a purchase...it’s your summer wingman.

Camping in Raglan? Long haul to the Mount? Impromptu winery tour? You’ll want a car you can trust, enjoy, and stretch out in.

Final Thought: Your Future Self Will Thank You

If you’re already pre-approved, don’t let the calendar stop you. iloan can help you lock in the deal now, sort payments later, and cruise through summer with zero regrets.

Got questions? Want to use your approval now but start repayments later? Just flick us a message and we’ll make it happen.

iloan

Fast. Simple. Yours.