• Rates from 9.95%

• Easy application process

• No deposit available 

• Lock in your rate before you shop

• Finance private sales or dealer vehicles 

• Learner license, work visa and poor credit options available

Need finance?  We've got this.

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If you need finance for the purchase of your next vehicle, we can help.​​

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At Tootsweet, we want our customers to come back to us, any time they want to upgrade their car or refinance their loan.  For that reason, we take affordability seriously and are committed to responsible lending. 

We work with the best lenders to ensure the best rates for our customers, so their new car is a pleasure, not a burden. 

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For information about our finance partners and terms and conditions, click here.

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If you have any questions, contact us now. 

faqS

How do I apply?

You can apply online here, by phone on 0800 866 879 or request a paper form to complete and return to us by email.  

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What do I need to make an application?

The application process takes around 5-10 minutes to complete and requires:

• Personal and contact details; 

• Details of the car you want to buy (if known); and

• Details of your current income, assets and liabilities.

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We'll also need the following documents before a loan can be paid out (but not for the first bit):

• A copy of your New Zealand drivers license (or other acceptable form of ID);

• Proof of address - a utilities bill, bank statement or government letter with your name and address printed on it; and

• In most cases, a recent bank statement (less than 3 months old).

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I have poor credit history, can I still apply for finance?

Yes!  We work with a lender which specialises in providing finance to customers with limited or poor credit history.  

Will my credit be checked?

Yes, if you apply for finance a credit check will be undertaken.

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What are your interest rates?

Our interest rates start at 9.95%.  The availability of this rate will depend on your credit profile, the amount and term of the loan.  We will advise you of the interest rate that applies when pre-approval is granted. 

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Do I need a deposit?

In most cases no, however any cash contribution you make towards the purchase of your vehicle will reduce your payments and the total interest payable. 

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I haven't found a car yet, should I still apply now?

Yes, if you are looking for a car and want to know how much you can borrow or what the payments are likely to be, apply now to get pre-approved before you start shopping. 

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How quickly will my loan be approved?

If we receive your application during working hours, we will do our best to provide an answer within two hours.  For applications outside of working hours, we aim to respond early the next working day.

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When will my loan be paid out?

Once we have signed loan documentation and any other information we need from you, your loan will be paid out that day or the next working day, depending on the time the information is received (same day payout cut-off is 12.00noon).  

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I want to buy from a dealer, can you finance that?

Yes!  While we specialise in private sales, we are happy to also finance vehicles purchased from dealers.

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Can I pay off my loan early?

Yes, but early termination charges may apply.  How early termination charges are determined will be set out in your Loan Agreement, or contact us to discuss further. 

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Do you offer insurances with your loans?

Yes!  We have a range of insurances which can be financed with your car loan*:

• Mechanical Breakdown Insurance (MBI / Warranty) - protects you in case your car has an unforeseen mechanical  breakdown. It covers a wide range of mechanical and electrical parts, helps cover other costs, and includes 24-hour AA roadside assistance;

• Lifestyle Protection Insurance (LPI) - covers your loan payments in case you have to stop work due to illness, accident or redundancy;

• Car Insurance - general car insurance which covers car accidents, fire and theft; 

• Guaranteed Asset Protection Insurance (GAP) - covers you in case your car is stolen or written off and the insurance payout is less than the finance you still owe;

See here for more information about our insurances. 

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Do you offer vehicle leasing?

Yes, we can arrange vehicle leases instead of car finance in some cases.   Contact us if you would like to discuss this option further. 

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Ready to buy your car?

More questions?

APPLY FOR

FINANCE,

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