Dealers can quietly pad your interest rate for arranging the loan. We compare our lender panel and pass you the fairest rate they'll offer. One application, one soft credit check, sorted online.
Indicative only, not a quote. Your rate is set by the lender after assessment.
Most people don't get ripped off because they're careless. They get ripped off because the dealer holds the pen and the bank hides the rate. We put that back in your hands.
Dealers can quietly add to your interest rate for arranging the loan. We're not a dealer. We compare our lender panel and pass you the fairest rate they'll offer, so you're not paying extra for the privilege.
Applying at five places means five hard checks stacked on your file, and every one can knock your score. We do one soft check across the whole panel. It doesn't show, and it doesn't drop your score.
No call centre, no scripts, no jargon, no being made to feel small. Just real Kiwis who explain things straight and do the running around with the lenders so you don't have to.
The car, the price, the term. Two minutes, all online.
We look at your whole situation, not just a number, and match you to the right lender on our panel.
You get a clear, honest indication back, usually the same day. No obligation, no pressure.
I nearly signed the dealer's finance at 13%. Fair Finance came back at 9.95% on the same car. Same weekly repayment bought me a year less on the loan.
Honestly just refreshing. They told me straight what I'd get and why, no runaround. Sorted the whole thing from my phone over a weekend.
I'd been to three places and my credit score was taking hits each time. One soft check here and I finally had an answer without wrecking my file.
I nearly signed the dealer's finance at 13%. Fair Finance came back at 9.95% on the same car. Same weekly repayment bought me a year less on the loan.
Honestly just refreshing. They told me straight what I'd get and why, no runaround. Sorted the whole thing from my phone over a weekend.
I'd been to three places and my credit score was taking hits each time. One soft check here and I finally had an answer without wrecking my file.
I nearly signed the dealer's finance at 13%. Fair Finance came back at 9.95% on the same car. Same weekly repayment bought me a year less on the loan.
Honestly just refreshing. They told me straight what I'd get and why, no runaround. Sorted the whole thing from my phone over a weekend.
I'd been to three places and my credit score was taking hits each time. One soft check here and I finally had an answer without wrecking my file.
No pushy sales, no fine print games. They explained the total cost properly so I actually understood what I was signing.
Self-employed, so the bank was hard work. These guys knew exactly which lender would look at my bank statements and just sorted it.
Felt like someone was actually on my side for once instead of trying to squeeze me. Got a fair rate and kept my deposit.
No pushy sales, no fine print games. They explained the total cost properly so I actually understood what I was signing.
Self-employed, so the bank was hard work. These guys knew exactly which lender would look at my bank statements and just sorted it.
Felt like someone was actually on my side for once instead of trying to squeeze me. Got a fair rate and kept my deposit.
No pushy sales, no fine print games. They explained the total cost properly so I actually understood what I was signing.
Self-employed, so the bank was hard work. These guys knew exactly which lender would look at my bank statements and just sorted it.
Felt like someone was actually on my side for once instead of trying to squeeze me. Got a fair rate and kept my deposit.
Can't see yours? Email hello@fairfinance.co.nz and a real person will get back to you.
No. Fair Finance is a referral service. We're not a lender, bank, or credit provider. We take one application and match you with the lender on our panel who's most likely to give you a fair deal. They do the lending and the credit assessment.
It's free for you. We're paid a referral fee by our lender partners, and only when a loan you apply for actually settles. That fee doesn't change your rate or come out of your pocket.
No. We run one soft credit check across our whole panel to give you an indication. A soft check doesn't show on your file to other lenders and doesn't affect your score. A hard check only happens later, if you choose to go ahead with a specific lender.
You'll need to be a New Zealand resident aged 18 or over, and have either payslips or three months of bank statements. That's enough for us to point you to the right lender.
Our panel includes lenders who look at your whole situation, not just a credit score, including people with past defaults or a thin file. We can't promise any lender will approve you, but we'll match you to the ones most likely to give you a fair go.
No, it's an indication only, to help you picture the repayments. Your actual rate is set by the lender after they assess your application. We show a from rate of 9.95% p.a. as a guide.
One application, one soft credit check, no obligation. See what a fair go actually looks like.