No runaround, no jargon, no pressure. Here's exactly what happens from the moment you start, so you know what to expect before you begin.
Not sure you'll qualify? Check in 60 secondsThree steps, start to finish. Most people are done with their part in under five minutes.
One short application, about two minutes. We ask the basics: who you are, the car and loan you're after, and your income. Then one soft credit check, which doesn't show to other lenders and doesn't touch your score.
We don't just send you to one place and hope. We pass your details to our panel of approved New Zealand lenders, the ones most likely to say yes to your situation, at a fair rate, with no dealer markup added on top.
A real person calls you back, usually the same day, and walks you through your options in plain English. No pressure, no jargon, no obligation. You decide, in your own time.
Having these handy makes the whole thing quicker. If you're missing something, start anyway and we'll help you sort it.
No. 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, and that fee never changes your rate.
No. We run one soft credit check across our whole panel. It doesn't show to other lenders and it doesn't affect your score, unlike applying directly at several lenders, which stacks up hard checks.
No, and anyone who does isn't being straight with you. We're not a lender. We match you to the lenders most likely to give you a fair go, but each one assesses your application under its own criteria.
Two minutes, one soft credit check, no obligation.