Heartland Finance
The heartland is the middle of the United States - the Midwest and the Great Plains, give or take. We do not lend there. Dynamic Finance is a New Zealand broker arranging finance for people and businesses based here, and we are emphatically not in Kansas.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
About that name
Heartland means different things in different places. In the United States it is a region and a mood at the same time - the agricultural middle of the country, the corn and the cattle and the long straight roads.
What matters for our purposes is simpler. We arrange finance in New Zealand, for people and businesses based in New Zealand. If you are reading this from Iowa, we are not going to be much use to you, and we would rather say so on the way in than after you have filled out a form.
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 overseas is not something we can place, however good the rest of it looks.
The more useful version of this question usually comes from people moving the other way. If you are returning to New Zealand after time abroad, or you have arrived recently on a work visa, finance is generally possible but the shape of it is different. A thin New Zealand credit file tends to be the sticking point rather than the income itself, and lenders weigh visa type and time in the country quite differently from one another. That variation is most of what makes a broker worth using.
Tell us the situation early rather than late. 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 from the ones that were never going to.
And if you genuinely are in the heartland - the real one, with the corn - we hope the rest of the internet proves more useful than we have been.
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.