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Experts in sourcing Car finance,
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Know before you buy
Confirm your loan offer and understand the approval before you commit.
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We are market-leading. But why?
We were the first car specialists online, we deliver fast turnaround times and same day settlement.
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Stop! Check before you shop
Applying for loans with multiple lenders can negatively impact your overall credit score. We know our lenders and generally get approval first time without shopping around.
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Know before you buy
Understanding you loan offer before committing is a must. All of our lenders provide total amount payable over your loan. Interest cost, establishment fees and early repayment fees are all stated in your loan agreement so you know what your loan will cost before your commit.
We are market-leading. But why?
We help our customers with a huge number of car loans every year; have strong relationships with New Zealand lenders and deliver fast approval and same day payout. All good things, but we also pride ourselves on our local Kiwi based team and great customer service. We were the first car loan specialists online and over the years have made the process of obtaining car loan easy.
Stop! Check before you shop
So many Kiwi’s don’t realise that every time you apply for a loan, that application is noted on your credit record. Big deal? Yes it is. It negatively impact you overall credit score and lenders’ view of your application. Talk with us first. We know the lenders; we know the process and we know the industry.
Personal one-to-one service from start-to-finish, a local kiwi based team. Need a car loan? We can help.
How do car loans work?
knowing what you're agreeing to is essential. Check our summary of how car loans work - the repayment options you have and other detail to keep you in the driver's seat. For example: how interest and repayment terms work; fees and terms; all the nitty gritty.
View guideHow to avoid buying a lemon
Many Kiwis have bought used vehicles which have turned out to be less than they expected. The AA offers some advice on how to avoid buying a lemon. The AA offers full bumper-to-bumper examinations at centres nationwide and also pre purchase inspections at the location of the seller.
View guideIMPORTANT INFORMATION
*Fixed interest rates for vehicle and personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.
Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer.
Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan.
One hour application decision subject to affordability test, the applicant meeting the lending criteria and supplying all the required information to process the loan application.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.