Broker vs lender
A lender is who gives you the loan. A broker or referral service helps you find the right lender. Fair Finance is the latter, not a lender.
These two roles are easy to mix up. A lender is the company that actually lends you the money, holds the loan, and takes your payments. A broker or referral service sits in between, helping you find a suitable lender.
A lender only offers their own products. A referral service compares several lenders and points you to the one most likely to give you a fair deal for your situation.
Fair Finance is a referral service, not a lender. We do not lend money ourselves and we are not a bank. We compare a panel of approved New Zealand lenders and refer you to a good fit.
We earn a referral fee from the lender only if your loan settles, and that fee never changes your rate. There is no dealer markup. See how it works.
See your repayments, then get a fair rate.
One application, one soft credit check, no obligation. We match you to the lender most likely to give you a fair go.