Continental Finance
We do not finance a continent. We do not even finance the whole of Oceania - not Australia, not Fiji, not Samoa. Dynamic Finance arranges lending in New Zealand, for people and businesses based in New Zealand, and that is the entire footprint.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
About the continent question
There is a genuinely good piece of trivia here. New Zealand is the visible part of Zealandia, a largely submerged continent of roughly five million square kilometres, about ninety-four percent of which is underwater. So we are, technically and pleasingly, continental already.
We cannot finance any of the submerged portion either. We arrange loans for cars, utes, trucks, boats and machinery, above sea level, in New Zealand.
Where we can actually lend
Our lenders assess New Zealand income, New Zealand credit history and your right to be here. An application from someone living permanently in Australia or the Pacific is not something we can place, however sound it looks on paper.
The more useful version of this question comes from people moving to New Zealand rather than away from it. If you have arrived recently on a work visa, or you are a returning New Zealander with years spent overseas, finance is usually possible but the shape of it differs. A thin local credit file is the usual sticking point rather than the income, and lenders weigh visa type and time in the country quite differently from one another.
Tell us the situation early. All lending is subject to lender assessment and approval, and we would rather aim your application at the lenders likely to say yes than watch you collect declines.
So what do you actually finance?
Cars, utes, trucks, vans, trailers, plant and machinery, boats, motorbikes and caravans, plus unsecured personal lending. If you are not sure whether what you have in mind fits, ask - we would rather tell you no quickly than leave you wondering.
Will you tell me if you cannot help?
Yes, and early. A fast no is more useful than a slow maybe, because it lets you go and try something else while whatever you are buying is still available.
Can I buy a Continental privately rather than from a dealer?
Yes. We settle directly with the seller and run a PPSR check first, so you are not taking on somebody else's debt along with it. Private sales are routine.
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.