Car Finance Made EASY
Whatever type of transport you need, our car loan and other vehicle finance application process is easy and you can apply online right now in less than five minutes!
We’re 100% online and your loan application can be submitted via any device 24/7, PC, laptop, tablet or phone.
If your loan is approved, we’ll transfer funds the same business day to your account!
In no time at all you could be at the steering wheel of your new set of wheels.
- 18 years or over
- NZ resident (citizen/permanent residency)
- Be earning, employment or self-employed
How to Apply for a Vehicle Loan
- Check your eligibility above and complete our online application
- Provide any required documents such as payslips and identification following your application (we’ll be in touch)
- Accept the contract provided
- Typically within 24 hours of your contract acceptance, funds will be in your account
8 Car Buying Tips
When shopping for a used car, you want quality – after all, you’re sinking your hard-earned money into something that should last you for years to come. That’s why it’s so important to inspect the car thoroughly.
Here are some warning signs to check before you buy that car.
Sign #1: Rust. Rust can be expensive to fix and it also indicates that this used car was not very well cared for – who knows what other maintenance the owner has skimped on? This could mean big-time auto repairs in your very near future. If you see rust, take a pass.
Sign #2: Odometer doesn’t match the vehicle history report. If the odometer doesn’t match the mileage that’s listed on the used car history report (which should also have the car’s VIN number on it), then you’re most likely dealing with a shady seller who has tampered with the odometer to make the car seem like it has fewer miles. You don’t want to buy a car from this person, as you don’t know what else they’re trying to disguise.
Sign #3: Mismatched panels or paint. If you see panels that are mismatched or don’t quite meet, or you notice a different paint color on one part of the car, start asking questions. These are all indicators that the car has been in an accident. The accident should be listed on a vehicle history report, and you need to keep in mind that previous accidents can bring down a vehicle’s value, which could affect your resale plans later on.
Sign #4: Check engine light doesn’t come on. If the check engine light doesn’t come on at all, you’ve got issues. It should light up for a few seconds when you first turn the car on so if you don’t see it glowing in the dash, chances are the seller has messed with it to ensure it doesn’t light up at all (probably because it turns on all the time due to actual issues with the vehicle).
Sign #5: Leaks under the car. If you see any leaks under the car, immediately question what’s going on under the hood. You shouldn’t see any leaks of any kind pooling underneath the vehicle so if you do, be sure to bring the car to a mechanic before you purchase.
Sign #6: The car is turned on when you arrive. If the car is already turned on when you get there for your test drive, the seller is probably trying to hide an issue that acts up when it’s being started. Ask them to turn it off, let it cool, and then try turning it on yourself. Make sure it starts up smoothly and easily.
Sign #7: You smell mildew. If you smell mildew in the car, be wary. This usually indicates water damage and even if it’s just from someone leaving the window open in the rain, the mildew smell is very hard to get rid of.
Sign #8: The airbag warning light is on. Seeing an airbag warning light in the dash can mean that the airbag was deployed (so the car got into an accident) and was improperly reinstalled. This can be very dangerous for you and your passengers!