How Your Car Loan Affordability is Assessed
We look at more than just your credit score. Our process considers your income, expenses, and lifestyle to help match you with a loan that fits your budget
- ✔ Secure online portal
- ✔ Eligibility in minutes
- ✔ No-obligation pre-check
Competitive rates from 10.95% p.a. T&Cs apply.
How We Assess Your Car Loan Affordability
Clear, fair, and personalised — we make sure your finance fits your life, not the other way around.
Your income & stability
We look at your income sources to ensure you can comfortably manage repayments.
- Full-time, part-time, or self-employed considered
- Consistent earnings history
- Support for multiple income streams
Current expenses
Everyday costs are factored in so repayments fit alongside your existing commitments.
- Rent or mortgage payments
- Utilities, groceries, transport
- Other loan or credit repayments
Credit history
We take a balanced view — past challenges don’t mean bad chances.
- Checking repayment reliability
- Considering positive recent behaviour
- Helping rebuild your score
Repayment timeframe
Choosing the right term can keep payments manageable and stress-free.
- Flexible term lengths
- Early repayment options
- Clear cost breakdown
Responsible lending
We follow NZ’s responsible lending guidelines to protect you and your budget.
- Transparent interest rates
- No hidden fees
- Supportive, ethical approach
Tailored to you
We match you with finance that works for your situation — quick, clear, and online.
- Custom repayment plans
- Options for first-time buyers
- Nationwide support
What You’ll Need to Get Started (and What Might Be Next)
Having these ready helps your application move faster from soft check to approval.
Full Name & Date of Birth
Your legal name and proof you’re 18+ to apply.
Mobile & Email
So we can send your result and keep you updated.
Employment & Income
Type of work, monthly income, and how often you’re paid.
Visa or Residency Status
NZ Citizen/PR, Work Visa, or other status for lender matching.
Driver’s Licence Photos
Clear front and back images for ID verification.
Affordability Check
Authorised in our system to confirm repayments fit your budget.
WINZ or IRD Summary
Upload from myMSD or IRD to confirm your income.
Proof of Address
Recent bill, statement, or tenancy agreement.
Bank Statements or Payslips
Commonly the last 3 months, for final lender approval.
Quick Soft Check
We’ll use this to estimate affordability. It won’t affect your credit score.
This is an indicative tool only and does not constitute an approval.
We’re Sorry — You Must Be 18+
We can’t provide a loan to anyone under the age of 18.
Start Your Application Today
Only takes 2–5 minutes
How It Works
Apply Online
Quick 2-minute form to get started.
Get Pre-Approved
We match you to the best lender. No impact to credit.
Choose Your Car
Pick from nationwide dealers or tell us what you want.
Drive Away
Sign online. We sort the rest.