Get Started

Please contact us to update your bank details.

Please reach out to us for information regarding your settlement amount.

Please get in touch with us to update your contact information

The online application typically takes about 5 minutes to fill out.

We aim to provide a decision within one business day, sometimes even sooner. However, before making a decision, we need to conduct responsible lending checks, which include evaluating the suitability and affordability of the loan you've applied for.

After completing the application with your personal and financial details, we’ll ask you to provide proof of your identity, address, income, and expenses. This information helps us assess the suitability and affordability of the loan. We will need:

• A copy of both sides of your driver’s license.
• The name of the insurance company that will cover the vehicle.
• Proof of income for all sources of income for each borrower and guarantor.
• If you are employed, we’ll accept recent bank statements or payslips dated within the past 6 weeks.
• If you are self-employed, we’ll need a recent IRD personal tax summary (PTS).
• For each borrower and guarantor, we need 90 days of bank statements or appropriate invoices to confirm expenses.
• Why do you need to see my bank statements?
• New government regulations are designed to protect consumers from taking on unaffordable debt. To comply, we need to gather additional information and verify its accuracy. We require at least 90 days of your bank statements to confirm your income and expenses and to assess whether you can afford the loan you’ve applied for.

The Finance Company Ltd’s minimum loan amount is $7000 You can use our online calculator to estimate repayments and check if they are affordable for you.

Typically, the vehicle or asset being purchased serves as security for the loan. We may also ask for a guarantor in some cases.

Not necessarily. The Finance Company Ltd may consider financing up to 100% of the purchase price, but this will depend on meeting our lending criteria and responsible lending checks.

Yes, we can finance vehicles purchased privately, including those bought through auctions, such as on Trade Me

Rates depend on the strength of your application. Details of our fees can be found on our website.

Feel free to call us at 0800 44 66 22 speak with one of our representatives.

If you repay your loan in full before the final payment is due, there may be fees involved:

• A fixed fee to cover the cost of settling the loan.
• A variable fee to cover any loss incurred from ending the funding early.
• For more information on early repayment fees, please refer to our early repayment fact sheet.

If you have concerns about your finances, you can receive free and confidential advice from MoneyTalks, an independent service.

We understand that unexpected events can impact your financial situation, such as job loss or illness. If this happens, we encourage you to contact us to discuss your situation. We may be able to provide assistance to help you manage financial difficulties. For help or to discuss your circumstances, please contact us at (coming soon)

You have certain obligations under your loan agreement, including making regular payments. The Finance Company Ltd holds a security interest in the vehicle financed for you. If you fail to meet your commitments, we may be entitled to repossess and sell your vehicle. If the sale does not cover the outstanding debt, you will be responsible for the shortfall. Other fees may apply for failing to meet your commitments, which are detailed on our website.

Please contact us as soon as possible if you’re having trouble making payments. The sooner we know, the sooner we can help. 

You can update your details online or contact us directly.