1 Stop Motors

1 Stop Motors We are a 100% NZ locally owned and operated car dealership!

Specialising in getting finance approved!

⭐️ Top-Rated on Google (750+ Reviews)
πŸ’Έ Easy Online Application
⬇️ Application Reviewed in 24 Hours

23/09/2026

Ever wondered what a lender actually looks at when they read your file? 🚫

Here's the real playbook πŸ‘‡

1️⃣ Fix your last 90 days. Only the last 3 months of bank statements really move the needle. Tidy them up 🧼

2️⃣ Pause Afterpay for 30 days. Fast food Afterpay reads as stretched spending 🚩

3️⃣ Check your credit file. Defaults, arrears, file activity. Half of Kiwis have no idea what's actually on theirs πŸ‘€

DM us and we'll walk your file with you and tell you what's worth fixing first βœ…

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

21/09/2026

This is what your application looks like when you fire it off blind 😬

This is what it looks like when you've cleaned your file up first βœ…

3 mistakes to fix before the next one πŸ‘‡

1️⃣ Ignoring the last 90 days 🧼
2️⃣ Zip and Afterpay on fast food πŸ”βŒ
3️⃣ Not knowing what's actually on your credit file πŸ‘€

DM us and we'll walk your credit file with you and tell you what's worth fixing first. Zero pressure. Zero judgment 🀝

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

18/09/2026

Here's why your car finance application might be struggling πŸ‘‡ and how to strengthen it before the next one.

Applying over and over and hoping something changes is like throwing darts blindfolded πŸŽ―πŸ™ˆ

Do these 3 instead πŸ‘‡

1️⃣ Tidy your last 90 days. Bank statements are what a lender actually reads. Cut back on the takeaways πŸ”βŒ

2️⃣ Pause Afterpay for 30 days. Not forever. Just long enough to show clean, controlled spending βœ…

3️⃣ Know what's on your credit file. You can't beat a game you can't see πŸ‘€

DM us and we'll walk your file with you and tell you exactly what to look at first πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

16/09/2026

Credit score πŸ“Š

You've heard the phrase 100 times. Almost nobody's actually explained it properly. Here it is in 20 seconds πŸ‘‡

Your credit score is your financial report card πŸ“

Missed bills, defaults, too many applications πŸ‘‰ it drops.
Clean habits πŸ‘‰ it climbs.

The part almost nobody knows πŸ‘‰ lenders mostly look at the LAST 90 DAYS ⏱️

Which means you can turn things around fast. Under 3 months if you know exactly what to change.

DM us and we'll walk your credit file with you and tell you what's worth fixing first πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

14/09/2026

All in, bro 🎰

Applying for car finance with no idea what your file actually looks like is the same energy. Eyes closed. Hoping for the best. Spoiler πŸ‘‰ there's a smarter way.

3 mistakes to fix first πŸ‘‡

1️⃣ Ignoring the last 90 days 🧼
2️⃣ Afterpay on fast food 🍟❌
3️⃣ Not knowing what's actually on your credit file πŸ‘€

Fix these and the odds swing hard in your favour ♠️β™₯️♦️♣️

DM us. Zero judgment. Zero pressure πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

12/09/2026

3 things that quietly hurt your car finance application πŸ‘‡

Fix these and you walk in with a much stronger file 🎯

1️⃣ Your last 90 days are the whole test. Lenders read the last 3 months of bank statements, not your entire life. Cut back on the takeaways for 90 πŸ”βŒ

2️⃣ Afterpay usage. If it looks stretched, it reads as risk. Pause it for 30 days πŸ›‘

3️⃣ Not knowing what's on your credit file. Defaults, arrears, file activity. You can't fix what you can't see πŸ‘€

DM us and we'll walk your credit file with you and tell you exactly what to look at first πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

11/09/2026

Ever wondered why one application goes through and another doesn't? πŸ€”

It usually comes down to one thing πŸ‘‰ your credit score.

Your credit score is your financial report card πŸ“ Missed bills, defaults, or too many applications drop it. Clean habits push it back up.

The part almost nobody knows πŸ‘‰ lenders mostly look at the LAST 90 DAYS ⏱️ Not your whole life. Which means if you know what to change, you can turn things around in under 3 months.

DM us and we'll walk through your credit file with you and tell you what's worth fixing first πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

09/09/2026

Walking through Ōtāhuhu πŸ“

Lots of car yards on this street. Every one of them has different criteria for who they'll actually sit down with πŸ‘€

One Stop Motors takes the conversation regardless of where your income comes from or what your credit file looks like right now. We'll talk you through what a lender actually reads and what's worth cleaning up first βœ…

680+ Google reviews. All 5 stars ⭐⭐⭐⭐⭐

DM us and we'll tell you where you stand πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

07/09/2026

Cleaning up your credit file feels like cutting an onion πŸ§…πŸ˜­

You'll cry, until someone shows you the trick.

3 things that actually move the needle on your file πŸ‘‡

1️⃣ Your last 90 days matter most. Lenders read the last 3 months of your bank statements closely. Tidy them 🧼 Fewer KFC buckets πŸ— Less Uber Eats πŸ₯‘

2️⃣ Pause Afterpay for 30 days. Not forever. Just long enough to show clean, controlled spending βœ…

3️⃣ Know what's actually on your credit file. Defaults, arrears, file activity. You can't fix what you can't see πŸ‘€

DM us and we'll walk your file with you and tell you what's worth fixing first πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

05/09/2026

People ask me every day πŸ‘‰ "Jessica, how do you take care of your baby?" πŸ‘Ά

My name isn't Jessica. I don't have a baby.

What I AM good at? 😏 Helping Kiwis find the right car for the situation they're actually in πŸš™

Every income story is different. Every credit file is different. We work with the lenders whose criteria match real Kiwi situations, not just the perfect ones.

Auckland or Christchurch. DM us and let's talk πŸ’¬

Finance options may be available for learners, beneficiaries, and customers with previous credit issues. However, all applications are subject to lender approval, credit inquiries, affordability and suitability assessment, and responsible lending inquiries. Approval is not guaranteed. Terms, conditions and fees apply.

Address

42 Queen Street, Othauhu
Auckland
1062

Opening Hours

Monday 9am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 10am - 4pm
Sunday 10am - 3pm

Telephone

+64800220018

Website

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