Not a dealer. Not a bank. One application, one soft credit check, and the fairest rate our NZ lender panel will offer.
2 minutes · free, no obligation · won't affect your credit score · NZ residents 18+Four quick taps. No credit check, no personal details, just a straight read on your situation.
No dealer markup, ever. We pass you the fairest rate our lender panel will offer.
One short application, one soft credit check, and an answer usually the same day.
A real person in your corner, plain English, no pressure. You decide, in your own time.
Repayments by week, fortnight or month, with the total interest shown, not hidden.
Run the numbers EligibilitySixty seconds, no credit check, and a straight answer on whether you're likely to qualify.
Check my eligibility GuidesNineteen plain-English guides on rates, credit scores, approvals and the traps to avoid.
Browse the guides
How it works, dealer vs bank vs broker, rates, and exactly what you need to apply. The one guide to read first.
Read the guideThe car as security or not? How the two loan types differ, how rates compare, and which suits your situation.
How rates work and what actually drives yours: credit, deposit, term, car age, secured vs unsecured, and the lender.
No hard cutoff. What a score is, how lenders really use it, and why finance is possible across the range.
Beyond the repayment: rego, WoF, insurance, fuel, servicing, tyres and depreciation. Budget for the real number.
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. 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.
We look across our panel of approved New Zealand lenders and find the ones most likely to say yes, at a fair rate, with no dealer markup.
A real person walks you through your options in plain English. No pressure, no obligation. You decide, in your own time.
Free to use · New Zealand-wide, online · won't affect your credit score
