Three Months, Zero Repayments†

Secure your new car, boat or bike today and enjoy a three-month repayment holiday with fixed rates and fuss-free finance (optional and subject to lender approval).

No Repayments (6)
$15,000
48 months
10.95%

Loan Calculator

$92

Weekly Repayments

$400

Monthly Repayments

$19,200

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totaling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

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Repayment holiday for three months†

 Breathing space before the first instalment (optional and subject to lender approval).

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Fast, fuss-free application

You could have your answer on the same day, ready to get moving.

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Sharp, fixed interest rates

Know exactly what your loan will cost, from day one and every day after.

We help Kiwis change “Need it today” into “No payments for 90 days.”

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Apply online — it’s fast 

Finish our three-minute form and kick-start your three-month repayment holiday straight away.

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We do the first lap for you 

We canvas trusted lenders to secure optoins, including loans with a payment-free first three months.

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Approval on the fast track

Once your documents land, we move quickly — often within the day — so you can breathe easy.

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Funds — fast

Sign by midday and the money could arrive today — with your first instalment not due for 90 days.

FAQ

No repayments - the details
The three month no repayment option is only available on vehicle loans and is subject to lender approval.

How does the three-month no-repayment offer work?

Once your loan is drawn down, your first scheduled repayment is deferred for 90 days. Interest still accrues during the pause, and your regular repayments start in month four.

Am I still charged interest and fees while I’m not paying?

Yes. Standard interest, establishment and account-keeping fees (if any) continue to apply. They’re simply rolled into your balance and factored into the repayments that begin after the holiday.

Who can qualify for the payment-free period?

The offer is available to approved applicants who meet our lender partners’ credit and affordability criteria. Submit your application online and we’ll let you know quickly if you’re eligible.

Will the repayment holiday extend the length of my loan?

Not usually. Most lenders keep the original term unchanged and simply spread the missed instalments (plus accrued interest) across your remaining repayments. This means each payment after the holiday is higher, but your loan still finishes on the same date.

*Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. Fixed interest rates for personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 

Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.

Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan. Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.

 

†The three month no repayment option (where you defer your repayments for three months) is subject to lender approval. If you take up the three months deferred repayment option, you must still repay the full amount of the loan together with all interest and fees, but payment will not begin until three months after the loan is advanced. At the end of the deferred repayment period, the amount of unpaid interest and fees from that period will be added to, and form part of, the loan balance.