Frequently Asked Questions

You don’t know what you don’t know, right?
When it comes to finance it’s important to understand all the details.
So we’ve taken the liberty of explaining the key points in plain English for you below.

How Do I Apply?

Simply hit the ‘apply now’ start button to access our online application. Fill in the information fields and hit submit – we’ll be in touch asap.

What Do I Need To Get An Approval?

Our panel of lenders usually require proof of income to assess an application (you can supply payslips and/or bank statements). If you are applying for finance on behalf of your business, your accounts will support your application.

Other general compliance items required are photo ID (generally your Driver’s Licence or Passport) and proof of address.

Can I Get Pre-Approval Before I Choose A Vehicle?

Yes, no problem.

You’ll have great peace of mind knowing you are pre-approved when looking around for your next purchase. You will know your budget range ahead of time and a pre-approval helps you shop effectively as a cash buyer!

You can buy from a dealer, on Trade Me or privately.

How Long Is The Term Of My Finance?

Terms typically range from 12 months to 60 months depending on the applicant.

Can I Buy Privately?

Yes, no problem.

If you have selected your next vehicle already, just hit the ‘apply now’ start button and complete the required information – we’ll be back in touch right away.

Or if you are about to start looking around, hit the ‘apply now’ start button and complete the required information ticking the ‘pre-approval’ box as you go – we’ll come back to you asap.

Pre-approval will help you know you budget ahead of time and allows you to negotiate effectively as a cash buyer.

Of course, T’s & C’s apply.

Can I Buy From A Dealer Or On Trade Me?

Yes, no problem.

If you have selected a vehicle already just hit the ‘apply now‘ start button, enter your information and we’ll be in touch right away.

Or if you are about to start looking around, hit the ‘apply now’ start button and complete the required information ticking the ‘pre-approval’ box as you go – we’ll come back to you asap.

Pre-approval will help you know you budget ahead of time and allows you to negotiate effectively as a cash buyer.

Of course – T’s & C’s apply.

How Much Can I Borrow?

The amount available to borrow will vary based on each individual’s information.

Factors such as your current income and expenses are taken into account when deciding the amount you are able to borrow.

Use our online calculator to see what size repayments you are comfortable with.

How Do I Make Repayments?

Most lenders require repayments via Direct Debit. However, there are instances where payments can be made via Automatic Payment or a Payroll Deduction.

What Determines The Interest Rate?

Our panel of lenders have a number of criteria that influences their interest rates including an applicant’s job, living situation and financial position.

VEHICLE & EQUIPMENT FUNDING