Talk to a real broker.

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.

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.

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.

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.

Yes. Most of our lender panel funds private sales for both vehicles and motorbikes. We guide you through the verification step.

Not always. Some lenders offer 100 percent finance for the right applicant. A deposit usually gets you a better rate but is not required.