Question 1

How fast can I get approved?

Accepted Answer

Most clients receive an indicative pre-approval within 4 business hours. Full approval typically follows the same day once we have your supporting documents.

Question 2

Will applying affect my credit score?

Accepted Answer

Our initial assessment is a soft check that does not impact your score. We only lodge a formal credit enquiry once you've reviewed and approved a lender option.

Question 3

Do you charge fees?

Accepted Answer

No broker fees for standard consumer and commercial vehicle finance. Complex commercial or restructure deals may carry a fee, which is always disclosed and agreed in writing upfront.

Question 4

What deposit do I need?

Accepted Answer

Many of our lenders offer no-deposit options for qualifying borrowers. For prestige, marine or aviation assets a deposit of 10–20% typically secures sharper pricing.

Question 5

Can I finance a private sale?

Accepted Answer

Yes. We finance dealer, private and auction purchases, including imports. We'll handle PPSR and security checks as part of settlement.

Question 6

What documents do I need?

Accepted Answer

Photo ID, proof of address, recent payslips or business financials, and details of the asset. We'll send a tailored checklist after your first call.

Question 7

Do you work with self-employed and new businesses?

Accepted Answer

Absolutely. We have specialist non-bank lenders that assess on cash flow and asset position rather than rigid PAYE criteria — including low-doc options for newer entities.

Question 8

What interest rates can I expect?

Accepted Answer

Rates depend on the asset, loan size, term and your profile. We compare 75+ lenders to bring you the sharpest option — most clients save meaningfully versus going direct.

Question 9

Can I pay the loan out early?

Accepted Answer

Yes. Most facilities allow early payout. We'll outline any break costs upfront so there are no surprises.

Question 10

Do you cover all of New Zealand?

Accepted Answer

Yes — we operate nationwide, fully remote. Documents are signed digitally and settlement is handled by our team end-to-end.

Questions, answered honestly.

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