Here are some frequently asked questions that will hopefully answer anything you might be unsure about.

For anything else not listed here, please contact us




Do you provide funding for people with bad credit?

Yes we are able to provide funding to a wide range of customers. Due to using multiple lenders, we are able to source the most cost effective funding based on a customers individual circumstances

______________________________________________________________________________________________________________________________________________

Do you have to be working to get a loan?

No. We have lenders that cater for people that are currently receiving various types of benefits

______________________________________________________________________________________________________________________________________________


How old do I have to be?

You need to be at least 18 years old to borrow money by yourself in New Zealand. Sometime a co-borrower or guarantor may be needed to strengthen an application

______________________________________________________________________________________________________________________________________________


Can you arrange funding if I am not a permanent resident?

Yes. We are able to lend to a person who does not yet have permanent residency. We set the term of the loan to match the expiry of the customers work permit

______________________________________________________________________________________________________________________________________________

Do I need to have a drivers license?

Our lenders prefer for you to have a minimum of a restricted or full license. We are however able to arrange funding for people with an international license and it certain circumstances we are able to source funding for people that have a learners license (ask us for more information)

______________________________________________________________________________________________________________________________________________


Do I need to have security to get a loan through you?

Predominantly our lenders require security that is of equal or higher value to the amount of funds being advanced. However we do have a lender that is also able to arrange an unsecured personal loan of up to $4,000

______________________________________________________________________________________________________________________________________________


Do I need to have a deposit?

We deal with a range of lenders that offer low or no deposit finance

______________________________________________________________________________________________________________________________________________


Is there an age limit on vehicles you are able to use to secure a loan?

No. So long as the value of the asset is higher than the loan being asked for, we can use most assets to secure a loan

______________________________________________________________________________________________________________________________________________


What information will I need to provide to get funding approved and can I drive the vehicle away today?

We require a copy of your valid drivers license.

Your last 30 days bank transactions (can be from the bank or an internet print-out)

Last 2 pay-slips (may not be required, bank statements may be sufficient)

Proof of address (something with your name and home address on it. Must be dated within the last 30 days)

______________________________________________________________________________________________________________________________________________


Can I still get a loan if I am self-employed

Absolutely. The information we have to gather from you is sometimes more in depth, however we can gather as much of the information that we can on your behalf

______________________________________________________________________________________________________________________________________________


What are my repayments and what is the interest rate I will be charged?

We tailor a loan that has affordable loan repayments to suit your budget at the best interest rate based on your individual circumstances

______________________________________________________________________________________________________________________________________________


Can I trade/sell a car with money owing on it?

You can trade or sell your vehicle at any stage as long as you are able to pay 100% of your loan obligations back at the point of sale so the new owner receives your vehicle with clear title






Website built by Hard Wired Services Ltd