You can apply for a car loan through our online application . For online applications, it usually takes about five minutes to complete the form.

You can borrow between $500 and $250,000. You can use our quick loan calculator to get an estimate of your repayments to ensure they fit your budget.

We aim to provide a decision within a day, sometimes sooner. However, responsible lending checks are necessary, including assessing the suitability and affordability of the loan.

After completing the application with your personal and financial details, you’ll need to provide evidence of your identity, address, income, and expenses. This includes items like a copy of your driver’s license, proof of income, and bank statements.

Most lenders allow prepayment without penalties. However, it’s essential to check the terms of your specific loan agreement. We will go over these details with you.

Lenders need to verify your income and expenses to assess whether you can afford the loan. The government’s regulations require collecting extra information to protect consumers against unaffordable debt.

Not always. Some lenders can consider financing up to 100%, but all loans are subject to lending criteria and responsible lending inquiries.

Yes, you can finance a vehicle purchased privately or through auctions such as Trade Me.

Generally, the car being purchased serves as security for the loan. The lender may also ask for a guarantor.