Finance guides and answers
Plain-spoken guides to vehicle and asset finance in New Zealand. Understand how structures work, what affects approval and how to plan a fleet, so you can make a commercially sound decision before you apply.
Guides
View all guides →Pre-approval
The car finance pre-approval guide
How pre-approval works, why it helps 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 and repayments for first-time buyers.
7 min read
Compare
Balloon vs PCP vs standard finance
Three structures, side by side, with the cashflow trade-offs made clear.
8 min read
Fleet
Fleet replacement cycle planning
How to forecast replacement timing and keep fleet costs predictable.
9 min read
Zero deposit
Zero deposit finance, explained
When financing the full price makes commercial sense, and when it does not.
5 min read
Credit
Credit score and finance approval in NZ
What lenders look at, and how to present your position well.
6 min read
The numbers
Worked examples
Real finance breakdowns on real stock. See the full structure, not just the headline rate.
Frequently asked questions
Quick answers
Direct answers to the questions tradies, SMEs and fleet managers ask most.
Can I get finance with bad credit?→How much can I borrow?→What documents do I need to apply?→How long does approval take?→
See the full FAQ hub →