Rates And Fees

We’re a vehicle finance broker. We compare options from multiple New Zealand lenders for you. Your loan contract is with the lender you choose; they set your rate and their lender fees. We’ll show you options and full costs before you proceed.

Interest Rates

Interest rates are set by our panel lenders and are risk-based. As a guide, vehicle loan rates typically range from 8.95% to 13.95% p.a., however depending on the lender and your circumstances, rates may fall outside these levels. Standard lender credit fees usually include an establishment fee of $480 and a PPSR registration fee of $10.35. Other lender fees (e.g., monthly/admin) may apply.

Our Broker Charges & Commissions

Broker/service fees may apply; we’ll disclose the amount and how it’s charged (for example, added to the loan) before you agree to proceed. We may receive a commission from the lender if your loan settles.

Early Repayment & Default Interest

Some lenders charge an early repayment fee/cost for fixed-rate loans. Default interest may apply if a payment is late (often a margin above your contract rate). We’ll show these in your disclosure documents and can point you to your lender’s current schedule.

Important Notes

• All approvals are subject to lender criteria and responsible-lending inquiries.
• Any payment examples we show will also state the annual interest rate(s) and any mandatory credit fees in a clear, prominent way.
• We don’t advertise “no credit checks” or “instant approval”. Timeframes depend on the lender and your application.