Your Questions Answered
Explore our frequently asked questions to find the answers you need about financing.
Frequently Asked Questions
Find answers to common questions about our loans and application process.
The most important factor in determining how much you can borrow is affordability – or how much the repayments will be compared to how much disposable income you have. We work this out based on your current income and expenses.
Interest rates vary depending on your profile – your credit rating and other factor lenders take into consideration like how well you have paid off loans in the past, whether you are a home owner etc.
Loan terms depend on two things (1) how long you want the loan for and (2) affordability – how much you can comfortably afford to repay monthly. Once this has been determined, a term of between one and five years is fixed.
Wherever possible, we aim to get back to you within two hours. If your application is urgent, please call us on 0800 100 050 after submitting the loan application.
Yes we do – it all comes down to affordability and the size of loan and type of vehicle purchasing.
Yes. If you have a type of car in mind, it’s also helpful to include it in your application. We can change the vehicle you finally decide before finalising your loan.
A Guarantor is a person who supports you obtaining finance. They will be required to signs the same contract and agree to make payments if the primarily client does meet their commitments.
A Guarantor is a person who supports you obtaining finance. They will be required to signs the same contract and agree to make payments if the primarily client does meet their commitments.
Yes, we regularly get loans approved for customers with bad credit. The same application process applies.
It’s really up to you. Payments can be made weekly, fortnightly or monthly using an Automatic Payment from your bank account or by using a Direct Debit to make things easier for you.
Yes, 18 is the minimum age to enter into a contract
Absolutely – we can help people on a learner license. The application process is the same as for someone on a full license.
Yes, there is an establishment fee of up to $450 and an introducer fee of up to $995.
