Found the car of your dreams? Our expert brokers can help make that dream a reality with loans starting from $5,000! We negotiate personalised loans to suit your individual circumstance, so you can enjoy peace of mind knowing you have got the best deal on your car finance!
Is car finance easy to get?
Our team prides itself on making your car finance journey a breeze. We take care of the hard stuff, so you can sit back and enjoy your new or used car that much faster.
In just a few simple steps you’ll be ready to go with a loan tailored to your individual circumstances.
Find out how we can help you get on the road
How it works
Getting car finance is easy when you’re with Swoosh Finance. Just follow these 3 steps and you’ll be good to go in no time:
- Apply online
- We quickly review your loan options
- Drive away happy!
Once you have applied online, our brokers review your application within 60 minutes. Then they compare lenders and match you with the best loan for your circumstances. This means you can get the best loan for you, often cheaper than the bank!
Are car finance rates negotiable?
Some lenders will let you negotiate for a better rate on your car loan, while others will not. When you apply through Swoosh, you have our team of experts behind you negotiating to get you the best deal on your finance.
Car loan eligibility
At least 22 years old*
New Zealand permanent resident
Employed for at least 3 months**
* Earning a minimum of $400/week
**A contract must be provided if employed for less than 3 months
Vehicle finance at a glance
At Swoosh Finance we believe in being upfront about our fees. It’s part of our commitment to finding you the best deal. There are no upfront costs to apply. In most cases, a one-off brokerage fee will be applicable to your loan. Interest rates for a broker loan can be between 9.95% and 24.95%, depending on the type of loan and your individual circumstances.
| Loan amount | Starting from $5000 |
|---|---|
| Loan terms | 3-5 years |
| Loan types | Secured (against vehicle) |
| Repayments | Weekly, fortnightly, and monthly |
| Interest rate | Fixed |
Car Finance FAQs
There are a number of reasons a lender might decline your loan application. Some common reasons for having your car finance rejected include:
- Bad credit or repayment history
- Insufficient income
- Incorrect or missing information in the loan application
- Irregular income or changing employment too often
- Overspending – e.g. on subscriptions, shopping, and other finance
You can pay your car finance off early but depending on who your finance is with, you may be charged early repayment fees.
If you are planning on making early repayments, discuss this with your broker so they can find the best loan to suit your needs.
Yes, making on-time payments over the course of your loan will help you to build a good credit history. It could also help by adding instalment credit into your credit mix and may increase your average credit age, depending on your circumstances.