We’re a vehicle finance broker. We compare options from multiple New Zealand lenders, explain the trade-offs, and manage the application process for you. Your loan contract is with the lender you choose; they set the rate, hold any security (PPSR) where required, and handle hardship or repayment changes. We’re here to advocate for you and make the process easy.

The amount you can borrow depends on your income, expenses, credit history, deposit, and the value of the vehicle. Each lender has different criteria. We’ll help you find an option that suits your circumstances.

Not always. Many lenders approve no-deposit loans, while others may require a contribution. Having a deposit can improve approval chances and may reduce repayments.

Pre-approval gives you a clear budget and confidence when negotiating with dealers or private sellers. It also speeds up final approval once you’ve chosen a vehicle.

Yes. We work with most major dealerships nationwide and can often help you locate the right vehicle, including options for new and used cars, private sales, and pre-purchase checks.

Yes. Many lenders allow finance for private sales. We’ll guide you through the process, including ownership checks and PPSR searches, to make sure the vehicle is clear of finance and safe to buy.

Most applicants can complete the form in about 10–15 minutes. You’ll need:

• Proof of ID (driver licence or passport)
• Address details
• Employment and income information
• Regular expenses
• Recent bank statements

Timeframes vary by lender and application complexity. Many pre-approvals are issued the same day, and full approvals are often completed within 1–2 business days once all documents are provided.

You can talk to our team at any time. We’re happy to explain the process, check what documents you’ll need, and answer questions before you apply.

Most lenders allow early repayment. Some may charge a small break cost or admin fee; others allow you to repay with no penalty. We’ll explain the terms for your chosen lender before you commit.

Please contact your lender first using the details in your loan agreement. They assess hardship applications and may offer options like reduced or deferred payments. We can also help you prepare or submit a hardship request.

If you have concerns about your finances, you can get free and confidential advice from MoneyTalks (funded by the Ministry of Social Development):

• Freephone: 0800 345 123
• Text: 4029
• Email: help@moneytalks.co.nz
• Online chat: www.moneytalks.co.nz

We follow NZ privacy best practice. See our Privacy Statement for details on what we collect, why, how we store it, and who we share it with. You can access and request correction of your information at any time.

If you miss payments, your lender will contact you to discuss repayment options. Continued default can affect your credit record, may lead to repossession of the vehicle (if secured), and could involve collection activity. Talk to your lender as soon as possible if you’re struggling.

Please contact us first so we can resolve your concern quickly. If we can’t resolve it, we’ll explain your options, including referring you to our external dispute resolution scheme.