Company
About Car Finance Guide
We explain car finance in New Zealand in plain English: which kind of lender to use, which loan type suits you, and what a loan really costs. We are a guide and referral service, not a lender and not a car dealer.
What we do
Car finance is confusing. Banks, finance companies, dealers and brokers all lend in different ways, and the rate on the ad is not always the cost you pay. We write guides that explain the choices: hire purchase, leases, novated leases, fixed and variable rates, comparison rates and total cost. We also compare lenders side by side, such as MTF, Finance Now, UDC, Avanti, Turners and Nectar.
Some pages have a simple tool to compare two quotes. The numbers you type stay in your browser. You do not need to give us any details to read our guides or use the tool.
If you want to look at real options, our short check asks a few questions about your situation. If you choose to send it, we pass your details to a broker partner, who contacts you to talk through options.
What we are not
We are not a lender. We do not lend money, we do not set interest rates and we do not decide who gets a loan. We are not a car dealer, and we have no stock to sell you. We are also not a financial adviser, so nothing on this site is personal advice.
How it works
- You read the guides and compare your options.
- If you want help, you answer a few short questions and leave your contact details. This is your choice.
- A real person from our broker partner contacts you to talk it through.
- If a lender is able to help, they assess your application themselves and make their own decision, case by case.
You do not have to take anything you are offered, and you can stop at any point. We do not help people who are currently bankrupt, because finance is not available until you are discharged.
How we are paid
Reading our guides is free, and so is the check. If you choose to send the check and a loan settles, our broker partner may pay us a fee. That fee never changes the rate you pay. We are not paid by the lenders we write about, and who pays us never decides what a page says about a lender. Read the full detail on our disclosure page.
How we keep our guides honest
Lender facts come from each lender's own published pages and from official sources. Every page lists its sources and shows the date it was updated. The guides are written by the Car Finance Guide Editorial team and reviewed when lender terms change. Read more on the editorial policy page. Nobody can promise you a loan, and lenders decide case by case.
Contact
Email us at info@carfinanceguide.co.nz. If a payment is already hard to keep up with, free and confidential help is available from MoneyTalks on 0800 345 123.