New Zealand car finance

A fair go on your next car loan.

Not a dealer, not a bank, on your side. One application, one soft credit check, matched to the lender most likely to give you a fair go, with no dealer markup.

Get my fair rate See how it works

Free · no obligation · won't affect your credit score

Am I eligible? 60 seconds

Question 1 of 4

How's your credit history?

No credit check to find out

9.95%

Indicative guide rate to compare

One

Soft credit check, never five hard ones

Zero

Impact on your credit score

To use, the lender pays our fee

Why Fair Finance

Car finance the straight way.

Nothing padded, the maths shown, and a real person on your side. Here's what makes us different.

No dealer markup

A dealer can quietly pad your rate to lift their cut. We don't. You get the lender's fair rate, with nothing added on top for arranging it.

One soft credit check

One application, one soft check across our whole panel, not five hard hits. It won't show to other lenders or dent your score.

On your side, by design

We're not owned by a dealer or a bank. A lender pays us only if your loan settles, and that never changes your rate.

How it works

Three simple steps, no runaround.

Step 1

Tell us your situation

One short application, about two minutes, and one soft credit check. It doesn't show to other lenders and it doesn't touch your score.

See the full walkthrough

Step 2

We compare our panel

We look across our panel of approved New Zealand lenders and find the ones most likely to say yes to your situation, at a fair rate, with no dealer markup.

See the full walkthrough

Step 3

Get your fair rate

A real person walks you through your options in plain English. No pressure, no obligation. You decide, in your own time.

See the full walkthrough

No dealer markupOne soft credit checkOn your side, not the bank'sEvery option, cheapest firstA fair go for every KiwiFree to useNo dealer markupOne soft credit checkOn your side, not the bank'sEvery option, cheapest firstA fair go for every KiwiFree to use

Who we help

Built for the people the bank waved off.

See all situations

Bad credit Past defaults or a thin file, judged on the whole picture, not one number. Self-employed Assessed on your bank statements and the real business, not just payslips. No deposit 100% finance where it stacks up, done honestly, with the maths shown. On a benefit A benefit counts as income with the right lender. Every option, cheapest first. First car Little or no credit history yet? Here's how to start fairly. After bankruptcy Bankruptcy or a No Asset Procedure behind you, what's possible now.

On your side

Honest by design, not by accident.

Fair Finance is free to use. We're paid a referral fee by our lender partners only when a loan you apply for is settled, and that fee never changes your rate. We compare our panel and pass you the fairest rate they'll offer.

9.95%indicative guide rate

Onesoft credit check

Zeroimpact on your score