Whatever type of vehicle you have your eye on we can help. We can deliver a stress-free, competitive interest vehicle loan for your next vehicle purchase. We will work closely with you to tailor a finance package to your unique lifestyle, circumstances, and budget.
How we can help
We’ll find you the right loan at the best interest rate with repayments to match your income.
1
Save you time
We streamline the process by handling the paperwork and negotiations on your behalf. We can quickly present you with offers from different lenders, allowing you to compare rates and terms without the hassle of approaching each lender individually.
2
Give you expert guidance
We understand the intricacies of car financing, interest rates, and loan terms. You will receive personalised advice based on your individual financial situation. Plus, we can advise you on additional features such as loan protection insurance or extended warranties.
3
We negotiate on your behalf
We are well-versed in negotiating finance deals and can advocate for better terms on your behalf. We understand the market, interest rates, and loan terms and can help you secure a competitive interest rate and favourable loan conditions.
4
Protect your credit score
When you apply for a loan, lenders typically check your credit score. Multiple credit checks can negatively impact your credit score. We confirm your credit once before sending your application to lenders. This minimises the impact on your credit score.
What you need to apply
To apply for a loan you must:
Be at least 18 years old
Have a valid passport or New Zealand driver’s licence
Be a New Zealand citizen, or have a valid work or resident visa
Provide these items:
Valid passport or New Zealand driver’s licence
Proof of your address
Bank statements showing the last 90 days
Still have questions?
Check out these helpful FAQs or get in touch with the team. We are here to help.
FAQs for car loans
Check out these helpful FAQs or get in touch with the team.
Can anyone apply for a vehicle loan?
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.
How much can I borrow for a vehicle loan?
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.
Do I need to have a deposit before I apply for a vehicle loan?
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.
Can I get a loan approved while still looking for the vehicle I want?
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.
Can I use the loan to buy a vehicle privately?
Absolutely! You can finance a vehicle purchased privately or through auctions, such as Trade Me.
How long does it take to get a decision on my vehicle loan application?
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.
How will lenders determine my ability to repay 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.
Can I negotiate a vehicle loan interest rate with the dealer?
Yes, negotiation is possible. It’s essential to compare rates from different lenders and be prepared to discuss terms with the dealer.
Can I prepay my loan at any time without penalty?
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.
