How we write our guides

How pages are researched

• We start from what people actually ask when they work out how to finance a car.
• Facts about a lender, such as its loan types, fees and terms, come from that lender's own published pages.
• Facts about rules, rights and consumer protections come from official New Zealand sources, such as Consumer Protection and the CCCFA, the Financial Markets Authority, Sorted and the Commerce Commission.
• Every page lists its sources at the foot of the page and shows the date it was updated.
• Where we show a worked example, we say it is an example, and we say which numbers we used.
• We write in plain words and keep paragraphs short.

How the compare-quotes tool works

Where a page has a tool to compare two quotes, it uses the standard formula for a loan repaid in equal instalments. The numbers you type stay in your browser. Results are estimates. They are not quotes or offers of credit, and they leave out fees unless you add them.

Reviewed when lender terms change

We review a page when a lender changes its terms, rates or products, or when a rule or a source changes. We also review every page at least every six months. If a page is out of date, we fix it or take it down.

What we do not do

• We do not promise or imply that anyone will get a loan.
• We do not make up reviews, testimonials, statistics, customer numbers or people.
• We do not take payment to change what a page says about a lender.

How we are funded

We are not paid by the lenders we write about. Our check can pass your details, only if you choose to send them, to a broker partner who may pay us a fee if a loan settles. That never changes your rate, and who pays us never decides what a page says about a lender. Read how we are paid on the disclosure page.

Who writes our pages

Pages are written by the Car Finance Guide Editorial team and published under that name, not a personal name. We do not invent authors or credentials. The team is accountable for the content, and the contact details below are how to reach it.

Not advice

Our guides give general information. They are not financial, legal or credit advice, and they do not take your personal situation into account. If you are in financial hardship, free help is available from MoneyTalks on 0800 345 123.

Corrections

If you think something on this site is wrong, email info@carfinanceguide.co.nz with the page and what you found. We check it against the source, and if you are right we fix it and update the date on the page.