About Fair Finance

Who we are

Fair Finance is a New Zealand car finance referral service, started in 2026. We work online and help people right across New Zealand. We are not a lender, bank or financial adviser. We help you find a lender who is likely to give you a fair go, and we explain your options in plain English.

Why we started

Too many New Zealanders pay more for car finance than they need to. Dealer finance often has a markup built into the rate, and applying at lender after lender stacks up hard credit checks that can drag your score down. People on a benefit, the self-employed, first-time borrowers and anyone with a patchy credit history get turned away or offered the worst deals.

We built Fair Finance to be on your side, not the bank's: one application, one soft credit check, a panel of approved lenders, and no dealer markup added on top.

How it works

One short application. About two minutes, with one soft credit check that doesn't show to other lenders and doesn't touch your score.
Matched to our lender panel. We pass your application to the approved New Zealand lenders most likely to say yes to your situation.
A fair rate, explained. Someone calls you back, usually the same day, and walks you through your options. No pressure and no obligation.

The full step-by-step is on our how it works page.

Who we help

Anyone in New Zealand looking for a car loan, and especially people who find it hard to get one: people with bad credit, people on a benefit or part-time work, the self-employed, first-car buyers and people rebuilding after bankruptcy. See who we help.

How we're paid

Fair Finance is free to use. We're paid a referral fee by our lender partners only when a loan you apply for is settled. That fee never changes your rate. The fee comes from the lender, not from you. Full details are in our disclosure.

What we won't do

We won't promise you'll be approved. Each lender makes its own decision, and anyone who guarantees approval isn't being straight with you.
We won't push you into a loan. If a Work and Income payment, a community loan or a budgeting service would serve you better, our guides say so.
We won't run hard credit checks across lots of lenders. One soft check is all it takes to get started.

Our guides

Our free guides, glossary and calculator are written to answer real questions New Zealanders ask about car finance, using official sources such as Consumer Protection, the FMA, Work and Income and Sorted. Our editorial policy explains how every guide is researched, checked and kept up to date.

Ready to see where you stand?

Check your options in 60 seconds. It's free and won't affect your credit score.