The questions people actually ask us, answered honestly and in plain English. If yours isn't here, just ask when you apply.
Yes, many lenders accept benefit income for car finance. What matters is that the repayments are affordable, not where your income comes from.
No, bad credit does not automatically stop you. Some lenders specialise in helping people with a poor or thin credit history.
Yes. Self-employed people get car finance all the time. You just need to show your income is steady enough to cover the repayments.
Often none at all. Many lenders offer no deposit finance, though putting some money in lowers your payments and can help approval.
Yes, no deposit car finance is common in New Zealand. Many lenders cover the full car price, though a deposit can improve your rate.
Not with us. Fair Finance starts with one soft credit check, which does not affect your score. Only a formal application does a hard check.
Often within a day or two. Many applications get an indicative answer the same day once your income and ID documents are in.
Usually photo ID and proof of income, plus recent bank statements. Having these ready is the fastest way to get approved.
Yes, though it depends on where you are in the process. Some lenders help once you are discharged, and options grow as time passes.
Neither a bank nor a lender. Fair Finance is a referral service that compares approved NZ lenders and refers you to a fair fit.
Nothing. Fair Finance is free to use. We are paid a referral fee by the lender only if your loan settles, and it never changes your rate.
Usually yes, and it can save you interest. Some loans have a small early repayment fee, so it is worth checking your contract first.
It depends on your income, expenses, and credit history. Lenders lend what they judge you can comfortably afford to repay.
There is no fixed minimum. A higher score helps, but some lenders approve car finance for low scores and poor credit histories.