We complete a soft credit check during our assessment which does not impact your credit score. Some lenders may carry out their own checks if you proceed.

Yes. Many of our lending partners consider visa holders depending on visa type and length.

Yes, for personal loans we do charge a fee, this is called a broker or introducer fee. As every application is unique, the fee charged will vary depending on the work and time spent on attaining the loan approval for you. The broker/introducer fee can be added to the total loan amount and is not required to be paid up front. For home loans we are paid a commission from the bank for successful applications, in some instances where a commission is not paid, then a fee may be charged. All fees that apply to your lending will be discussed with you before you commit to anything.

Yes. Refinancing may help reduce repayments or simplify your finances, depending on your situation.

Yes. As a vehicle loan broker, we compare car finance options from trusted NZ lenders so you do not have to apply to each one individually.

If you are on a work or residency visa, you can still apply for a car loan in NZ. We work with lenders that consider visa holders and assess each application based on income stability, time remaining on your visa and overall credit profile.

In order to qualify, you'll need at least 13 months remaining on your visa and earn at least $600 per week.

Absolutely. Our car loans cover private sales, giving you access to a wider range of vehicles and often better prices than the car yards.

In many cases, yes. Dealerships often add a margin to their finance rates. As a broker we access wholesale rates from top-tier lenders which can often undercut the dealer's offer.

We know good cars sell fast. If you provide your information promptly we can often get your car finance approved on the same day.