3 Months, Zero Repayments†

Secure your new car, boat or bike today and enjoy a three-month repayment holiday.

Approval subject to affordability test. Repayment holiday optional and subject to lender approval.

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$15,000
48 months
10.95%

Loan Calculator

$93

Weekly Repayments

$404

Monthly Repayments

$19,392

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totalling $640 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. For more about lender fees, click here.

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Repayment Holiday

 Three months breathing room before the first instalment. Note: Deferred repayments mean you’ll pay more interest over the life of your loan - see details below.†

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Straight-forward Application

We keep things moving. With access to 20+ advisers, you get fast, considered advice and a lender match that’s the right fit for your needs.

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Cost Clarity

Know exactly what your loan will cost, from day one and every day after, with your repayments, interest and fees clearly laid out upfront.

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

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Apply online 

Finish our straightforward form to apply - it takes just minutes.

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We do the first lap for you 

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

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Swift response

Once we’ve got everything, we move fast. Because we know you’re ready to get behind the wheel.

 

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.

Loan Information


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 and the security provided.

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.
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.