Loan Guides
Can You Finance a Car Without a Current WoF in NZ?
A car without a current Warrant of Fitness is not automatically impossible to buy, but it creates important practical and…
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Helpful guides & the latest from NZ finance.
Straightforward information to help you understand loans, borrowing and what's happening in New Zealand finance.
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Can You Finance a Motorbike From a Private Seller in NZ?
You may be able to finance a motorbike bought from a private seller in New Zealand, depending on the lender, motorcycle and your application. A private purchase can…
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Loan Guides
Can You Finance an Older Car in NZ?
An older car can potentially be financed in New Zealand, but vehicle age can affect the finance available. Lenders have…
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What Happens to Your Car Loan if Your Car Is Written Off in NZ?
If a financed car is written off, the car loan does not automatically disappear. Your insurer may make a settlement…
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Can You Trade In a Car That Still Has Finance Owing in NZ?
Having finance owing on your current car does not necessarily mean you have to keep it until the loan is…
Loan Guides
Can You Get a Car Loan Before Choosing a Car in NZ?
You do not necessarily need to have chosen a specific car before starting the finance process. Depending on the lender,…
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Can You Finance a Car From a Private Seller in NZ?
Buying from a private seller can give you access to vehicles that are not being sold through a dealership, but…
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Latest NZ Finance News
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NZ Finance News
NZ Lenders Breached Lending Rules: What Car & Personal Loan Borrowers Should Know
Recent enforcement cases have highlighted what can happen when New Zealand consumer lenders fail to meet responsible-lending requirements. The Commerce…
NZ Finance News
NZ Inflation Hits 4.1%: What It Means for Car & Personal Loan Borrowers
New Zealand's annual inflation rate has climbed to 4.1%, putting the cost of living back above the Reserve Bank's 1%…
NZ Finance News
NZ Lending Rates Are Rising Again: What It Could Mean for Car & Personal Loans
Borrowing conditions in New Zealand have started tightening again. Reserve Bank data shows increases in some bank lending rates during…
NZ Finance News
NZ Consumer Credit Rules Changed: What Car & Personal Loan Borrowers Need to Know
New Zealand's consumer-credit system changed on 1 July 2026, with the Financial Markets Authority taking over responsibility for the Credit…
NZ Finance News
OCR Rises to 2.75%: What It Means for NZ Borrowers
The Reserve Bank of New Zealand has increased the Official Cash Rate from 2.50% to 2.75%, marking another shift in…
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