Finance NZ
Dynamic Finance is a New Zealand owned broker arranging lending for vehicles, trucks, machinery, boats and personal purchases. One application goes across a panel of lenders rather than to whichever bank you happen to be with, and we tell you the outcome either way.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
How broking actually differs
Going direct to your own bank gets you one answer. It may well be a good one, but it is the only one you will see, and it is shaped by that bank's credit policy rather than by your situation.
We take a single application to a panel and let the lenders compete for it. That matters most when something about your circumstances is not textbook - seasonal income, contract work, self-employment without a tidy set of year-end accounts, a thin credit file after years overseas. Those are ordinary in New Zealand and some lenders handle them far better than others. Knowing which is most of the job.
None of it requires you to be near an office. Documents are signed electronically and we settle directly with the dealer, the private seller or the auction house, wherever they happen to be.
What we finance, and what we do not
Cars and utes, new, used or imported. Trucks and commercial vehicles from light through to heavy, along with trailers and bodies. Plant and machinery for farms, construction and materials handling. Boats, motorbikes and caravans. And personal loans, which are unsecured and work differently to everything above.
We buy from anywhere. Dealer, private sale, auction, clearing sale or import are all the same job at our end, and on a private sale we run a PPSR check before any money moves so you are not taking on somebody else's debt along with the asset.
There are things we do not do, and it is quicker to say so here than to have you find out later. We do not arrange mortgages or property lending. We do not give investment advice or lend against investments. And we lend in New Zealand only - our lenders assess New Zealand income, New Zealand credit history and your right to be here.
If you are not sure whether what you have in mind fits, ask. We would rather tell you no quickly than leave an application sitting. All lending is subject to lender assessment and approval, and asking does not affect your credit score.
What counts as an asset we can finance?
Broadly, things a business uses to do work and that can be identified and secured - vehicles, trucks, trailers, plant, machinery and equipment. If it has a serial number or a VIN and it earns its keep, it is usually financeable.
What will not qualify?
Property and anything bought purely as an investment. Asset finance works because the asset does something and can be registered against; that is not true of land, shares or precious metals. We also lend in New Zealand only.
Lease or loan - which is better?
It depends on whether you want to own the asset at the end and how your accountant treats it, which is genuinely a question for them rather than for us. What we can do is show you both structures with real numbers so the conversation with your accountant is a short one.
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.