What Happens If You Miss a Car Loan Payment in NZ?
Struggling to keep up with your car loan? Here’s what really happens if you miss a payment in NZ, how a free hardship application works, the rules lenders must follow before repossessing a car, and where to get free help.
First Car Loans in NZ: Finance for Under-25s and Restricted Licence Holders
Under 25, on a restricted licence or never borrowed before? You can still get a car loan. Here’s what NZ lenders actually look at, how to improve your chances, what a first car loan costs, and the licence changes coming in January 2027.
Car Finance Without a Regular Job in NZ: Benefit, Super, ACC and New Jobs
On a benefit, NZ Super, ACC, or just started a new job? You can still get car finance in NZ. Here’s how lenders assess non-wage income, what documents to bring, and how to give your application the best chance.
Car Loan vs Personal Loan: Which Is Better?
Car loan or personal loan: which one actually saves you money? Here’s a straightforward comparison so you can choose the right one for you.
What Income Do You Need to Get Car Finance in NZ?
Wondering if you earn enough for car finance? Here’s how lenders actually look at your income, and how to give yourself the best chance of approval.
What Credit Score Do You Need for Car Finance in NZ
Worried your credit score isn’t good enough for car finance? Here’s how credit scores actually work in New Zealand, and what lenders really look at.
How Much Can You Borrow for a Car in NZ?
Not sure how much you could borrow for your next car? Here’s what actually determines your borrowing power, and how to get a realistic figure.