Better Finance
Everyone in finance says they are better. Very few say better than what. We are not going to claim it either - partly because we would have to prove it, and partly because you would be entirely right to roll your eyes. So here is the unglamorous version instead.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Better is the easiest word in the industry
It is also the least useful. Better rates than whom, over what term, for which credit profile? A rate that is genuinely good for one person is unremarkable for the next, and anyone quoting you a number before asking about your situation is guessing at it.
There is a practical reason to skip it too. Under the Fair Trading Act a comparative claim has to be substantiated, and "better" on its own is not something anyone can back up. We would rather spend the page on things you can check.
Things we can actually stand behind
We take one application to a panel of lenders rather than to one. That is a structural difference rather than a boast - more lenders looking means more chances that one of them says yes, and it means the options compete with each other instead of being handed to you.
We tell you the outcome either way. If we cannot place your application we say so quickly, rather than letting it sit while you assume something is happening.
We will tell you when we are the wrong answer. Sometimes your own bank will beat anything we can arrange. Sometimes the sensible advice is a shorter term than you asked for, or not borrowing at all. There are pages on this site that say exactly that about the very thing they are meant to be selling, which is either refreshing or bad business depending on who you ask.
None of that makes us better. It makes us specific, which is rarer and considerably more useful.
Why not the dealer’s finance?
The finance desk at a dealership works for the dealership. That is not a criticism, it is just who employs them.
Dynamic Finance
An independent broker working for you
- A panel of lenders, so the options compete for your business
- The rate is not part of a deal being negotiated on the day
- Private, dealer and auction purchases handled the same way
- One adviser from application through to payout
- No pressure to decide while you are standing there
Dealership finance
The finance desk down the hall
- Usually one lender, or a small panel you never see
- Finance margin is part of the deal being negotiated
- Tied to the vehicle on their lot
- Handed between salesperson, finance manager and lender
- Best answered before you fall in love with the car
How it works
Apply for your loan
Complete the online form or give us a call and we will get your application underway.
We will reach out
We will call to understand what you are trying to achieve and gather anything else that helps get you approved.
Ready to go
Once approved we send your documents to sign, and payout follows shortly after.
Get started today
Tell us what you are looking to finance and we will come back with real options - usually the same day.