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Our benefits
The better™ way to get on the water
Fixed Interest Rates
From the least to the most you could expect to pay, we tell you straight away. No hidden rate ranges. No surprises.
$0 Deposit Finance
No deposit needed to get you on the water. Secure finance with zero deposit and get the boat you keep dreaming of.
Fast response
Three minute online online application. Lending decisions in three hours or less. And same-day payout*. We won't keep you waiting.
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™, there's no need to email bank statements or copies of your ID - our smart tech does the work for you, saving you time and hassle. From our quick three minute application, right through to transferring the funds, we've got your time in mind. *Affordability test 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™, you’ll get a call from one of the team to discuss your application. It doesn’t take long, but in our book, it’s the most important step in making sure you get the best out of better™.
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 three minutes
- Fast application decisions
*Affordability Test Applies - Smart technology to assess your application faster
- No deposit finance available
- Fixed interest rates and no surprise
- Funds transferred in less than 24 hours
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, we 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.
Refinancing can be a good option to reduce your annual interest rate, saving you money in the long run and helping to pay off your debt faster.
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 calculators 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.
Can I pay off my boat loan early?
Yes, here at better we are proud of the tools we have to offer to help our clients pay off their debt faster and get debt free earlier.
Some lenders will have fees and charges within their loan contracts if your loan is repaid before the term of the loan. So check the fine print before signing your contract.