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It all depends on your overall profile. If you have good credit you will get great rates, If you have slightly adverse credit, it will vary based on the extent of your adverse credit. Good credit excellent rate, Adverse credit will be a slightly higher rate.
Our rates start from 8.95% for Premium Tier customers
The more information we have from you up front means we can get a faster approval. The team are fast and efficient and we aim to have an outcome within 24 hrs.
The most important factor in determining how much you can borrow is affordability – or how much the repayments will be compared to how much disposable income you have. This is calculated based on your current income and expenses.
Terms range from 12 to 60 months depending on the applicant and the age and mileage of the vehicle and you are looking purchase.
Yes we do – however it all comes down to affordability and making sure you can service the loan.
We prefer for you to hold a New Zealand full or restricted, however is some cases we can provide finance to those who hold a learners license. We are one of the few brokers who can approve lending for people on a learner license.
Yes, however there is a small early settlement fee in most cases. We work with customers to help them minimise interest costs and reduce the loan term.
Yes, there is a document or establishment fee generally from $395, which will be included in your loan total.
It is slightly more difficult to get an application approved with bad credit however we do get loans approved of this nature depending on the circumstances.
Our motto is "You choose the car, Let us do the Finance"
Once approved, you can choose to purchase from any dealership nationwide including online auctions and even private sales.
A Guarantor is a person who supports you obtaining finance. They will be required to signs the same contract and agree to make payments if the primarily client does meet their commitments.