Not a dealer, not a bank, and nothing to sell you. One application, one soft credit check, and your details passed to our panel of approved NZ lenders.
2 minutes · free, no obligation · won't affect your credit score · NZ residents 18+Four quick taps. No personal details, just a straight read on your situation.
No dealer markup, ever. We pass your details to our panel of approved lenders.
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.
No dealer markup, ever. We pass your details to our panel of approved lenders.
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, and a straight answer on whether you're likely to qualify.
Check my eligibility GuidesEighteen 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 guideBuying used? A PPSR check tells you if money's still owing, which means the car can be repossessed after you've paid. How to check.
Soft vs hard checks, why multiple applications sting, and how to shop around safely.
The practical things that move the needle on an application, in order of impact.
Buying off TradeMe or Marketplace? Yes you can finance it. Why the PPSR check matters, and what to watch for.
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 pass your details to our panel of approved New Zealand lenders, 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
