Frequently Asked Questions
Q.
How long before my loan is approved?
A.
Hopefully all going well we should be able to have an answer within the hour depending on peak times.
Q.
Who can apply for a loan?
A.
Anybody aged 18 and over.
Q.
How long can I take a loan for?
A.
12 to 60 Months.
Q.
Can I get approval for a loan before I have decided on my purchase?
A.
Yes we can pre-approve your loan before your purchase.
Q.
What determines my interest rate?
A.
This mainly depends on the strength of your application.
Q.
Can I purchase from a private seller? (auction / Trade me / friend etc)
A.
Absolutely. This is where pre approval works best.
Q.
Can I protect my loan?
A.
Yes we have products such as Payment Protection Insurance, GAP, Mechanical Breakdown and comprehensive motor vehicle insurance.
Q.
What if I have bad credit?
A.
We have alternative companies where we may be able to help you.