Yes, anyone can apply for a vehicle loan. Lenders typically have eligibility criteria, such as age, income, and credit history, but most people can apply.

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.

Not always. Some lenders consider financing up to 100% of the vehicle’s cost. However, this depends on individual circumstances and the lender’s policies.

Yes, you can get pre-approved for a loan before finalising your vehicle choice. Pre-approval gives you an idea of how much you can borrow and simplifies the buying process.

Absolutely! You can finance a vehicle purchased privately or through auctions, such as Trade Me.

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.

Lenders assess your income, expenses, credit history, and other factors to determine whether you can afford the loan. They may ask for bank statements and other documentation.

Yes, negotiation is possible. It’s essential to compare rates from different lenders and be prepared to discuss terms with the dealer.

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.