Buying
Buying From a Dealer vs Private Sale in NZ
Updated 20 Oct 2026
Buying from a registered dealer gives you protection under the Consumer Guarantees Act, a Consumer Information Notice, and help if something goes wrong. A private sale can be cheaper, but you usually buy the car "as is" and have to do all the checks yourself.
What you get from a registered dealer
- Consumer law protection. The Consumer Guarantees Act applies, so the car must be of acceptable quality for its age, price and km.
- A CIN card with the car's key history. See what a CIN means.
- Protection from hidden debts. A dealer must tell you on the CIN if money is owing. If they don't disclose a registered security interest, you get the car free of that debt.
- Somewhere to go if it goes wrong. Disputes with registered dealers can go to the Motor Vehicle Disputes Tribunal (claims up to $100,000).
What a private sale means
- The Consumer Guarantees Act doesn't apply, so problems after the sale are generally yours to fix.
- You need to do your own PPSR check for money owing. If there's a loan on the car, the lender could repossess it from you.
- Prices can be lower, but only because you're taking on more of the risk.
Which is right for you?
If you know cars and you're happy doing the checks, a private sale can work out well. If you want peace of mind, a dealer is the safer choice. Whichever you choose, use our checklist.
Common questions
Does the Consumer Guarantees Act cover private car sales?
No. It covers sales by businesses, such as registered motor vehicle traders, not private sellers.
This is general information, not legal or financial advice. Rules and fees change, so check the official sources linked above for your situation.
