Finance FAQ's

Can I pay my loan off quicker, and does it accrue any early repayment charges? +

You can always pay off your loan early. In regards to the applicable charges or fees, please contact your finance company for more details.

Finance Now: https://www.financenow.co.nz

NZ Motor Finance: https://www.nzmotorfinance.co.nz

CFS Finance: https://www.cfsfinance.co.nz

Thorn Finance: https://thornfinance.co.nz

Avanti Finance: https://www.avantifinance.co.nz

Branded Financial Services: https://www.brandedfinancial.co.nz

 

Do you accept a Learner's Licence for finance? +

We work with numerous finance companies providing financial services to a variety of customers holding different licences ie Learner's Licence, Restricted Licence, Full Licence or Overseas Driver's Licence.

Can I apply for finance if I am on a benefit? +

Yes, we can help you apply for finance if you are on a benefit. Please contact our nearest branch and speak with one of our friendly team members.

Will you lend to me if I have bad credit? +

Finance companies will always do a credit-check on anyone who applies for a loan. If you have missed any large payments in the past, we’ll discuss with you about why they occurred.

Everyone deserves a second chance. If your reasons for missing large payments are genuine, we’ll look at finding a suitable solution for you. We work with a range of finance companies who may well be able to assist us with your situation.

What will my repayment be? +

Your loan repayments will depend on how much you borrow, and for how long.

The frequency of repayments will be matched to your income, being either weekly, fortnightly or monthly.

We will work with you to get the repayments to a suitable amount.

How do I work out the repayments I can afford? +

To keep yourself on track financially, it is very important to know where your money is going and to have a plan for managing your income and expenses.

It is a good idea to work through your budget every few months, particularly if you are thinking about making a purchase and/or getting a loan.

There are free and independent budgeting services available to help assess your finances, and help you with a budget.

FMA has given guidelines for responsible lending and responsible borrowing. It is wise to become familiar with these recommendations. 

Sorted is a website offering plenty of free and user-friendly online budgeting tools and advice. Visit www.sorted.org.nz

MoneyTalks is a free helpline available to provide free budgeting advice to individuals, family and whānau. Call 0800 345 123 or visit www.moneytalks.co.nz