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What to expect
The better™ way to get on the water
Simple Application
Simple online application. Quick response from our team and swift lending decisions. We won't keep you waiting.
Expert Help
We're a team of 20+ advisers, available 7-days a week to help Kiwis make good borrowing decisions.
Clarity & Certainty
Get the peace of mind of fixed interest rates and repayments. No hidden rate ranges. No surprises.
We’re responsive.
We keep it breezy
We built our approach with you, and your time, in mind. If you’re looking for a fast application decision*, we can have an answer quick smart. Plus, at better finance™ our smart tech saves you time and hassle. From our simple online application, right through to transferring the funds, we’ve got your time in mind. *Lending criteria, including affordability assessment applies.
We add the
personal touch
We hand-picked our 20+ team with some important attributes in mind: people that love and understand finance, and folk that are driven to help our customers and ensure the process is well understood.
When you apply with better finance™, you’ll get a call from one of the team to discuss your application. In our book, it’s the most important step in making sure you get the best outcome and experience.
We champion
better-borrowing
We're on a mission to - bit by bit - make borrowing better.
For example, one of the things we know that understandably frustrates Kiwis, is hidden fees.
Well not at better™. Like to know what you’re signing up for with no surprises? That’s how it should be. At better™ there’s just clear, transparent information about rates and costs. Because clarity, in our book, is better.
What can we help
you make happen?
Big goals, personal possibilities and everything
in between. How can we help you?
- Apply in minutes
- Personal and vehicle finance
- Fast application decisions*
- Fixed interest rates
- No deposit finance available*
- Funds transferred in as little as 24 hours
- 20+ financial advisers here to help
- Smart technology to assess your application faster
- *Lending criteria, including affordability assessment applies.
FAQ
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.
How much can I borrow?
Our minimum loan amount is $3,000 and maximum is $250,000. How much you can borrow within this range depends on your personal circumstances and affordability. It’s important borrow only what you need and to ensure you can comfortably meet your repayment obligations for the term of your loan. Our team, are expert at helping you determine your personal borrowing sweet spot.
How long does it take to approve the loan?
We work hard with our clients to collect all the right information up front before we assess the application. With all the information required, the lender can approve loans in two to three hours, but this does depend on lender timeframes.
Can I refinance and existing boat loan with better?
Yes. You can refinance your loan to a different lender even if you have finance secured against a vehicle.
When refinancing a loan, it is important to be clear about what you want to achieve and the implications of making a change. For example: you may want to reduce the overall cost of your loan by refinancing or you may want to reduce your current repayment amounts. In short, when refinancing, make sure you have clear objectives and are well informed about the implications of making the change from one lender to another.
Also, make sure you consider fees to repay your existing debt early, and any additional fees in securing the new finance.
What are repayments and what is the frequency?
The repayments of a loan are determined by several factors. Mainly amount borrowed, interest rate and the term of the loan. We have a great calculator for you to run the numbers and see how these factors can suit your budget.
Repayments can be made weekly, fortnightly or monthly via direct debit.