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Apply in 60 seconds · Same-day answer

Vehicle finance,
without the runaround.

Compare specialist NZ lenders in one 60-second application. Self-employed and no-credit-history applicants welcome. Real human broker, no call centre.

Start your pre-approval Learn more

0

to apply

Same day

response

All NZ

nationwide

Working with NZ’s lender panel

More lenders being added to the panel soon.

More than just another broker.

We compare specialist NZ lenders against your situation, not the bank’s. Three things make us different.

Independent, not aligned

We work for you, not the bank or the dealer. Our job is to find your best option, not push the lender that pays us most.

One form, all lenders

Stop filling out the same application for every bank. We run your situation past our specialist lender panel in one pass and bring back the answers.

Real human, no call centre

Tyler picks up the phone himself. No scripts, no offshore queue, no being passed around. Just a broker who actually knows your file.

Tyler Newman, founder of Tillen Finance

Meet your broker

Tyler Newman.
A real broker, on your side.

I started Tillen Finance because I got tired of seeing good people walk away from car yards with the wrong loan, the wrong rate, or no loan at all. Most applicants don’t realise their bank or dealer represents one lender. I represent a panel.

When you apply through me, I run your situation past the panel and come back with the best fit. No impact on your credit score at the pre-approval stage, no commitment until you say yes. Any broker fee is disclosed in your finance documents before you sign.

Apply in 60 seconds Call 021 251 0448

What we finance

Three core services, one application. Tell us your situation and we’ll point you at the right lender.

Cars, SUVs, utes, vans

New, used, dealer, or private sale. We compare specialist NZ lenders to find you a suitable rate and term.

  • ✓ Loans typically $5,000 to $150,000
  • ✓ No impact on your credit score at pre-approval
  • ✓ Likely options within one business day
  • ✓ Cars, SUVs, utes, vans, 4WDs, imports
Learn more

The process

How it works

Three steps. Most people get an answer before lunch.

01

Apply in 60 seconds

Tell us about you and what you’re financing. No impact on your credit score, no commitment, no obligation. Just five quick questions.

02

We shop your options

Same day, we run your situation past our specialist lender panel and pull together your real options. Not just the bank or dealer’s preferred lender.

03

Same-day answer

You get a clear pre-approval back with rates, terms, and what to do next. Most answers come back within hours of applying.

Start your application

Stories

What people say

Tyler made my wife and I feel comfortable and, most importantly, in control throughout the entire process. He kept in regular contact, took care of everything, and even negotiated with the dealer to get us an amazing deal. He went above and beyond and made buying a car an enjoyable, stress-free experience.
Jonathan & Joeliee New car buyers ★★★★★

Common questions

Quick answers. Longer chats welcome on the call.

Will applying affect my credit score? +
No. Starting your pre-approval is an initial enquiry with no impact on your credit score. We only run a credit check with your written consent if you decide to proceed with a specific lender.
How fast will I hear back? +
Most pre-approval requests come back within one business day. Same-day funding is sometimes possible if your paperwork is ready and the lender is moving. Final approval is always subject to lender criteria, affordability, verification and responsible lending checks.
Do you charge me anything? +
In most cases our commission is paid by the lender when your loan is funded. If a broker fee applies to your loan, it is set out in writing in your finance documents before you sign, so any cost is clear before you commit.
What if I am self-employed or have limited credit history? +
That is a big part of what we do. We work with NZ specialist lenders who look at your bank statements, income, and the full picture, not just an automated credit score. No judgement, no lectures, just an honest conversation about what is possible.
Can I finance a private sale? +
Yes. Most of our lender panel funds private sales for both vehicles and motorbikes. We guide you through the verification step.
Do I need a deposit? +
Not always. Some lenders offer 100 percent finance for the right applicant. A deposit usually gets you a better rate but is not required.

Apply now

Apply in 60 seconds.

An initial enquiry with no impact on your credit score. No obligation. We’ll come back within one business day with your likely options.

  • ✓ Specialist lenders compared in one go
  • ✓ Self-employed and no-credit-history applicants welcome
  • ✓ Likely options within one business day
  • ✓ Real human broker, not a call centre

Prefer to chat?

021 251 0448 Text us

What are you financing?

Select the option that fits.