Question 1

How does vehicle finance work?

Accepted Answer

Vehicle finance lets you spread the cost of a car over regular payments. You choose a vehicle, apply for finance, and once approved you make weekly, fortnightly, or monthly payments over your chosen term (typically 12–60 months). At the end of the term, you own the vehicle outright.

Question 2

What do I need to apply?

Accepted Answer

You'll need a valid NZ drivers licence (or passport for non-residents), proof of income (pay slips or bank statements), proof of address, and your employment details. The application takes about 5 minutes.

Question 3

Can I get finance with bad credit?

Accepted Answer

Yes. We work with lenders who specialise in all credit situations. A larger deposit or a lower loan amount can improve your chances. Talk to us — we'll give you an honest assessment.

Question 4

How long does approval take?

Accepted Answer

Most applications are assessed within 1–2 business hours. In many cases we can get same-day approval. Complex applications may take a little longer.

Question 5

Can I pay off my loan early?

Accepted Answer

Yes, most of our finance agreements allow early repayment. You'll save on interest by paying off sooner. Some agreements may have a small early repayment fee — we'll make sure you understand the terms before you sign.

Question 6

Do you offer $0 deposit finance?

Accepted Answer

Yes, $0 deposit options are available for qualified applicants. A deposit isn't always required, but putting one down can reduce your repayments and improve your approval chances.

Apply for Finance

About You