CAR FINANCE, TAILORED to YOU
Our relationships with multiple trusted lenders means we have finance options to suit a wide range of personal circumstances. We work hard to secure the best rates and terms for you.
Contact us now for a no-obligation discussion about your current circumstances, or check out our FAQ for more information.
We have options to help with second chance credit, from 16.95%
We can finance private or dealer sales, pre-approval is transferrable
Lowest rates (from 8.95%), no deposit and flexible terms available
We can lend up to the term of your visa with negotiable deposit
If you're a learner with stable work and ok credit, we can help
What do I need to make an application?
Personal and contact details;
Details of the car you want to buy (if known); and
Details of your current income, assets and liabilities.
I have poor credit history, can I still apply for finance?
Yes! We work with lenders who specialise 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. Individual finance companies may also run PPSR, fines, driver licence and payment history checks.
What are your interest rates?
Do I need a deposit?
I haven't found a car yet, should I still apply now?
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.
When will my loan be paid out?
Can I pay off my loan early?
Why do I need to provide bank statements?
In most cases, finance companies will ask to review 3 months' recent bank statements before a loan can be paid out. This is to check that the income disclosed in the application is what is actually being received. Finance companies will also consider anything else in bank statements that might suggest a loan is unaffordable for a particular customer - undisclosed loan repayments, large cash withdrawals, signs of regular gambling etc.
I am not working, can I get finance?
It is difficult to secure finance when a customer's sole income is a benefit, as the application will generally not meet affordability criteria. However, if you have a full or restricted license, good credit history and low fixed expenses, we may be able to help, please contact us to discuss further.
I am on a Learner Licence, can I get finance?
Yes - we have lenders who specialise in finance for learner licenses. However, there are a couple of things to note. Firstly, interest rates are higher for learner licenses, so if you are in a position to get your restricted before you get finance, you will save money. Secondly, credit criteria is stricter for learners - you will need to be in full time permanent employment (or self-employed with proof of income) with reasonable credit history.
Why is credit criteria more strict for learners?
The reason finance companies impose stricter criteria and higher rates for learner licences is that there is a greater risk for them. Learner drivers are less experienced and therefore more likely to be involved in an accident. There is also a risk that if the driver is in breach of his/her license conditions, If for some reason the driver allows their insurance to lapse, or if there is a shortfall between
How do I apply?
I am on on an International Licence, can I get finance?
If you have been in New Zealand for more than 6 months, and are still driving on an international licence, you may be required to obtain a non-conditioned New Zealand drivers licence before you can obtain car finance. This is because it is a legal requirement to convert to an NZ licence after 12 months.
I am on a Work Visa, can I get finance?
Yes, generally finance will be available to customers in New Zealand on a work visa. However, the loan term must not exceed the length of your visa (so if you have 2 years left on your visa, you would need to repay the loan over 24 months), and a deposit will generally be required. Feel free to contact us to discuss further.