Specialist finance
Self-employed or new to credit? No drama.
Banks lean on PAYE payslips and a long credit history. Plenty of capable Kiwis have neither. We work with NZ specialist lenders who look at your bank statements, your income, and the full picture, then decide on that basis.
- ✓ No judgement and no lectures
- ✓ No impact on your credit score at pre-approval
- ✓ Specialist lenders who read the file
- ✓ Loans from $5,000 to $150,000
Getting knocked back is not the end of the road.
Being declined by a bank usually means you did not fit their tick-box, not that you cannot get finance. Here is how working with us feels different.
No judgement
No lectures, no awkward questions about the past. Just a straight conversation about what is possible now.
No impact on your credit score upfront
Pre-approval is an initial enquiry with no impact on your credit score. We only run a check with your written consent once you choose to proceed.
Lenders who read the file
Our specialist panel looks at your income and your bank statements, not just a credit score and a payslip.
An honest answer either way
If we can help, we tell you. If the timing is wrong, we tell you that too, with a plan for what to do next.
Who we help
Built for borrowers the banks pass on.
If your income is real but it does not arrive as a tidy salary, you are exactly who specialist lenders are set up for.
Self-employed
Sole traders, contractors, tradies, consultants. We know the documentation drill and which lenders move fast on bank statements.
No credit history
First-time borrowers, new arrivals to NZ, or anyone with a thin file. Some specialist lenders are comfortable with no prior finance, given a stable income picture.
Beneficiaries and gig workers
Steady income from a benefit, rideshare, food delivery, or similar work counts. Some lenders accept these as primary income.
Recovery situations
If you have had a setback and your file shows it, we talk through what is on there before deciding which lender to approach. The right lender plus the right loan can be a step forward.
A fairer read
Specialist lenders look at you differently.
A bank often stops at two questions: do you have payslips, and is your credit score high enough? Specialist lenders go further. They read the whole story your finances tell.
Bank statements over payslips
Months of real income landing in your account can carry more weight than a single payslip you do not have.
The full picture, not a single number
Stable work, a deposit, the vehicle being financed, and how you manage money day to day all count in your favour.
Regulated, standard finance
These are normal secured loans with regulated NZ lenders under the CCCFA, not short-term high-interest credit.
How it works
A simple path, no runaround.
01
Apply
60 seconds on the pre-approval form. No impact on your credit score at this stage, and no obligation.
02
We match a lender
We run your situation past the specialist lender panel that same day and find the ones likely to say yes.
03
You get a real answer
We come back with your options, the rate, and what to do next. Clear and honest, with no commitment.
04
We sort the paperwork
If you proceed, we handle the application, the documents, and the back and forth with the lender.
Any broker fee will be disclosed to you in your finance documents before you sign.
Common questions
A few specifics worth knowing.
Quick answers. Longer chats welcome on the call.
What documents will I need? +
Will applying make my credit worse? +
How much can I borrow? +
What if you cannot help me right now? +
How is this different from a payday loan? +
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?