Car finance that fits your life
We arrange finance for all kinds of situations, every day. Tell us about yours and we'll find a lender and a repayment that works.
We can help if you have
- No deposit
- Good or bad credit
- Any licence type
- Any visa type
- Just turned 18
- A benefit or a job
How it works
Apply online
Fill in our secure form and upload your licence. It takes about five minutes.
We call you
We talk through your budget and find the lender that suits you.
Get approved
The lender confirms your loan amount, rate and repayments in writing.
Drive away
Pick your car, sign the paperwork at the yard and hit the road.
Repayment calculator
Estimate only. Your actual rate depends on the lender and your situation.
Can I get finance with bad credit?
Often, yes. We work with several lenders, including some who look at your situation as a whole rather than just your credit score. Apply online and we will tell you honestly what options you have.
Do I need a deposit?
Not always. Many of our customers buy with no deposit. A deposit or trade-in can lower your repayments, so it is worth telling us if you have one.
I'm on a work or student visa. Can I still apply?
Yes. We help customers on all visa types. The lender will usually want to see your visa and how long it has left to run.
I just turned 18. Can I buy a car on finance?
You can apply. Lenders will look at your income and how you manage money. Having a steady job and a full or restricted licence helps.
What do I need to apply?
Your driver licence, proof of address and proof of income, such as recent payslips or a benefit statement. Our form tells you what to upload.
How long does approval take?
Many applications are answered the same day, especially when you send all your documents at the start.
Will applying affect my credit score?
A lender credit check is recorded on your credit file. We only submit your application to lenders that suit your situation, and we talk to you before we do.
Can I pay my loan off early?
Usually, yes. Lenders may charge a small early repayment fee, which they must explain in your loan contract.
Borrowing responsibly
All finance is provided by third party lenders and is subject to their lending criteria, credit checks and responsible lending assessments under New Zealand law. Repayment examples on this website are estimates only and are not an offer of finance or financial advice. If you are unsure about borrowing, free budgeting help is available from MoneyTalks on 0800 345 123.