Finance FAQs
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 charges and 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 driver license for finance?
We work with a few finance companies that provide services to all customers ranging from Learner’s license, overseas Driver License to Full license.
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 the nearest branch and speak with one of our friendly team members.
Will you lend to me if I have bad credit?
The Finance companies do a credit check on everyone who applies for a loan. If you have missed any large payments in the past, we’ll talk with you about why they occurred. Everyone deserves a second chance. If your reasons for missing the large payments are genuine we’ll look at finding a suitable solution for you. We work with a range of finance companies which we will do our best to assist you.
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; weekly, fortnightly or monthly. We will work with you and get the repayment 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 buying something or getting a loan.There are free and independent budgeting services that are available to help you assess your finances and help you with your budget. FMA has given guidelines for responsible lending and responsible borrowing. It is wise to read it through and get some idea around it.
Sorted - Sorted is a website offering plenty of free and user-friendly online budgeting tools and advice. Visit www.sorted.org.nz
MoneyTalks - 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
Finance & Insurance Enquiries
Auckland