Finance questions, answered
Straight answers to the questions New Zealanders ask us about vehicle, truck, plant and business finance - what affects an approval, what a deposit really needs to be, and what the words on a finance agreement mean.
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These are the questions we are actually asked, answered plainly and without the sales pitch. Nothing here is personalised advice: it is general information about how finance works in New Zealand, and what applies to you depends on your circumstances.
Questions we answer in full
- Can I finance a car from a private seller in NZ?
- Can I get finance if I am self-employed in NZ?
- Can I get finance on an imported car in NZ?
- Can I get finance with bad credit in NZ?
- Can I get finance with no credit history in NZ?
- Can I get truck finance as a new owner-driver?
- Can I pay off my car loan early in NZ?
- Can I refinance my car loan in NZ?
- Does applying for finance affect my credit score?
- How long does finance approval take in NZ?
- How much deposit do I need for a truck in NZ?
- Lease or loan: which is better?
- What credit score do I need for a car loan in NZ?
- What documents do I need to apply for finance?
- What happens if I miss a finance payment?
- What is a balloon payment?
- What is the PPSR and why does it matter?
Questions answered on the finance pages themselves
- Truck finance
- Car loans
- Business finance
- Excavator finance
- Van finance
- Motorbike loans
- Asset finance
If your question is not here, call us on 0800 600 522 and ask. We would rather tell you something is not going to work than have you find out three weeks in.
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Tell us what you are looking to finance and we will come back with real options - usually the same day.