Vehicle finance guides
These guides explain how vehicle and asset finance works in New Zealand, in plain terms. Each one answers a common question, shows the numbers behind it and points you to the calculator or an application when you are ready. They are general information, not financial advice.
Pre-approval
Car finance pre-approval guide
How pre-approval works in New Zealand, why it strengthens your position and what you need to get it.
6 min read
Explainer
How vehicle finance works in New Zealand
A plain walk-through of terms, rates, deposits and repayments for first-time buyers.
7 min read
Compare
Balloon vs PCP vs standard finance
Three structures set side by side, with the cashflow trade-offs made clear in a comparison table.
8 min read
Fleet
Fleet replacement cycle planning
How fleet managers forecast replacement timing and keep whole-of-life vehicle costs predictable.
9 min read
Zero deposit
Zero deposit finance, explained
When financing the full purchase price makes commercial sense, and when a deposit serves you better.
5 min read
Credit
Credit score and finance approval in NZ
What lenders look at, how credit checks work in New Zealand and how to present your position well.
6 min read
This guide is general information, not financial advice. Figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Consider your own circumstances and seek advice where needed. Lending criteria, terms and conditions apply.