Finance just got easier.

How to Apply

• Application Process: You can apply through our online application form or by calling us at 0800 44 66 22
  
• Completion Time: The online application should take about 5 minutes to complete.
  
• Decision Timeline: We aim to provide a decision within one business day, though it could be sooner. Please note that before making a decision, we need to perform responsible lending checks to assess the suitability and affordability of the loan.
  
• Required Information: To complete your application after you apply online before you get the loan, you will need to provide personal and financial information. We will also require documentation to verify your identity, address, income, and expenses. Specifically, we need: A copy of both sides of your driver’s licence. The name of the insurance company for the vehicle. Proof of income for all income sources for each borrower and guarantor. For salaried or wage earners, we accept bank statements or payslips dated within the last 6 weeks. For self-employed individuals, a recent IRD personal tax summary (PTS) is required. * 90 days of bank statements or suitable invoices for each borrower and guarantor to confirm expenses. We will contact you to arrange this.
• Bank Statements: In accordance with recent changes in lending regulations in New Zealand, we need to collect and verify additional information to ensure you’re protected from unaffordable debt. Providing 90 days’ worth of bank statements allows us to accurately assess your income, expenses, and overall ability to repay the loan. We use Bud to make this process secure and straightforward.
  
• Security Requirements: Typically, the vehicle being purchased serves as security for the loan. In some cases, we may also require a guarantor.
  
• Deposit: A deposit may not be necessary. We can consider financing up to 100%, though all loans are subject to our lending criteria and responsible lending assessments.
  
• Private Vehicle Purchases: You can buy a vehicle privately, and we can also finance vehicles purchased through auctions like Trade Me.
  
• Rates and Fees: The rates applicable to your loan will be determined based on the strength of your application.