JDM Finance
A Japanese import is assessed on its build year rather than its compliance date, which catches people out when working out the term available. Dynamic Finance arranges the lending, and we will tell you plainly what it costs before you commit.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
JDM Finance with Dynamic Finance
We are not tied to any dealership or manufacturer, so there is no sales target sitting behind the advice. One application goes across a panel of lenders, whether you are buying new, used, privately or at auction.
Ask us for numbers before you start negotiating rather than after. It does not affect your credit score to find out, and all lending is subject to lender assessment and approval.
Getting the term right
The term matters more than most people expect. A longer one lowers the repayment and raises the total interest, and the right answer depends on how long you intend to keep the vehicle rather than on what looks affordable this month.
We will show you a few terms side by side rather than only the one with the smallest monthly figure. If you are trading something in, tell us what is still owing on it - rolling negative equity into a new loan is common and worth understanding clearly before you agree to it.
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.