Drive away with a
rate from 7.95% p.a.
New or used, any make or model. FYN compares 10+ lenders to find your best car finance deal — fast approval, no dealer markup, bad credit considered.
Any vehicle. Any condition.
Whether you're buying from a dealer or a private seller, brand new or second hand — if it has four wheels, we can finance it.
Finance brand-new vehicles from any dealer. Get pre-approved before you walk into the showroom so you negotiate from strength.
Buying privately or from a used car yard? We finance used vehicles of any age, including high-mileage and older models.
Ford Rangers, Toyota Hiluxes, SUVs — popular NZ vehicles covered with competitive rates for both personal and business use.
EV and hybrid finance available. We work with lenders offering competitive rates for electric vehicles as you make the switch.
Sprinters, Transporters, delivery vans — we finance commercial vehicles for sole traders and small businesses alike.
Defaults, late payments, no credit history — we have lenders who consider all situations. Don't assume you won't qualify.
From application to keys in 4 steps
Our process is designed to be as painless as possible — no branch visits, no stacks of paperwork.
Fill in our quick online form with basic details. No documents needed at this stage.
No credit check yetA FYN advisor calls within the hour, discusses your situation, and matches you with the right lenders.
Within 1 hourWe submit to lenders and return with your pre-approved rate and terms — often within 2 hours.
All costs disclosedOnce you sign, funds go directly to the seller or your account. Same-day funding often available.
Same-day availableMore people qualify
than you might think.
Lenders are conservative. We're not. We work with a wide panel of lenders who take a broader view of your situation.
NZ citizens & permanent residents
You must be living and working in New Zealand.
Work visa holders
Eligible work visa holders with NZ-based income and a valid visa may apply — subject to lender criteria.
Employed, self-employed, or beneficiaries
Regular income of any kind is considered — including WINZ, ACC, and NZ Superannuation.
Bad credit or no credit history
Past defaults, judgements, or a thin credit file? We have specialist lenders for these situations.
Aged 18 or over
Standard lending criteria applies — we'll confirm your eligibility when we call.
💡 Don't have everything ready? Apply anyway — our advisor will tell you exactly what's needed when we call.
What will my repayments be?
Adjust the sliders to get an instant estimate for your car loan.
Your car loan details
Trusted by Kiwis nationwide.
“Loan approved in 15 minutes — all they needed was my driver’s licence. Quick, simple, and completely stress-free. Communication was excellent throughout. Would absolutely recommend.”
“Best service I’ve dealt with. Always kept me up to date, made the process incredibly smooth. Stress-free from start to finish — 100% recommend to anyone needing finance.”
“Exceptional professionalism and dedication. Sincerely grateful for their help securing my dream car — reliable, transparent, and strongly client-focused from the very first call.”
Your questions answered
Ready to get pre-approved?
It takes 2 minutes, has no impact on your credit score, and our team will call you within the hour during business hours.