Our car finance application process is designed to provide you peace of mind by ensuring that your credit score remains unaffected. We utilise as soft credit inquiry method, which means that checking your eligibility for financing won’t leave a trace on your credit report. Our process allows you to explore your car loan options without worrying about any negative impact on your credit score. Rest assured, you can confidently apply for car finance knowing that your credit score won’t be impacted throughout the process. Once an appropriate premium lender has been selected for a formal application they will run a hard credit check, this will show on your credit report.
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We Make Car Finance Quick & Easy
Why Choose Road Trip Finance?
Fixed Interest Rates
Know exactly what your repayments will be throughout the duration of your loan. No need to worry about your interest rate increasing. When you lock in a specific interest rate at the beginning of your loan term you are shielded from any fluctuations in the New Zealand market. A fixed interest rate ensures your repayments remain the same and allows you to accurately budget, no surprises!
Compare 15+ Car Finance Lenders
We are able to compare your loan application with our 15+ panel of lenders to offer you a comprehensive view of your financing options. By us reaching out to multiple lenders, you will gain insight into a variety of interest rates, terms and loan features. This process does not affect your credit file! This will allow you to make an informed decision that aligns with your financial goals. Our comparison process allows you to assess the affordability of the loan, whilst also factoring in repayment flexibility, early payout options and competitive interest rates.
No Deposit Needed
No deposit required for your next purchase! We have access to multiple premium lenders that offer fast financing for the full purchase price of your new car. Who wants to wait months to save up a deposit or access their hard earned savings? No deposit doesn’t mean a higher interest rate. Get your car today by lodging a quote or giving us a call on 0800 112 226.
FAST Approvals
We can have your loan approved and paid out on the same day, which means that new car feeling is FAST! With our ‘SAME-DAY’ approval process you can submit your application today and receive a decision within a matter of hours, sometimes as short as 60 minutes. Our quick turn around times eliminate the stress and uncertainty often associated with waiting for your loan application outcome. Our ultra-fast decision times enable you to drive away in your new car FAST. Call us now to get started on 0800 112 226.
Easy Process
We pride ourselves on offering a straightforward, easy and hassle-free process when applying for your car loan. We utilise market leading technology to make the process simple. Our streamlined application process removes any paperwork and unnecessary steps, ensuring your experience with us is smooth and efficient from start to drive away! In addition, our friendly team is here to help and make your journey at Road Trip Finance a memorable one.
No Impact On Your Credit Score
Our state of the art credit checking service allows us to know your score and provide competitive, suitable lending options to you. This credit checking service doesn’t affect your credit score and allows you to access the best possible lending options the first time. Who wants to waste their time and potentially affect their credit score by applying at multiple lenders or car dealers. Get a great deal, the first time! Give us a call now on 0800 112 226 so we can get your on the road today!
FAQ
Will this affect my credit score?
Are there any hidden fees?
When you apply for a car loan with us, you can be assured there are absolutely no hidden fees involved. We believe in transparency and clarity throughout your car finance journey with us. You can rest assured that what you see is what you get! Our commitment to honesty means that you’ll know exactly what to expect, without any surprises along the way. With us, you can focus on finding your dream car while we take care of your car finance application, ensuring a smooth and hassle-free experience from start to finish.
What documents do I need to provide?
Everyone’s car finance application is different. Your friendly finance expert will let you know exactly what documents you need to provide once they understand your situation and finance needs. We are a paperless business which means submitting documents to your agent is easier than ever. We utilise highly secure, end to end encrypted storage services to protect your important documentation.
How do you save customers money?
Road Trip Finance helps out large volumes of Kiwi customers on a daily basis, this allows us access to some of the best possible deals in the New Zealand market through our large panel of lenders. We compare the best deals and offer these options onto our amazing customers. In addition, by getting your loan approved in advance you can often get a much better deal than what your car dealer will offer.
Can I apply for a personal loan?
Yes, you can! We have dedicated lenders on our panel that specialise in secured and unsecured personal lending.
What if I have bad credit?
Even if you have less than perfect credit history, we’ve got you covered. Our panel of lenders includes lenders who specialise in providing car loans to applicants with bad credit. Everyone deserves a fair go, don’t let your past financial setbacks hold you back from getting your ideal car today! Our friendly team will work with you to find the right lender and loan option that fits your requirements. Get a quote today via our website and take your first step towards owning your dream car, regardless of your credit score.
Am I eligible for a loan with Road Trip?
Everyone is eligible to apply for a car loan with Road Trip Finance. Lenders will require you to have ongoing income to support your car finance loan repayments. If you are unsure if you are eligible for a loan in New Zealand lodge a quote today and we can assist with your enquiry to get you on your way to your new car.
Can you finance Trucks and equipment?
Absolutely, we can assist with your truck and equipment finance needs. We can assist with light trucks, medium trucks, heavy trucks, line haul trailers, truck and trailer line haul heavy combinations, yellow goods, farming equipment, manufacturing equipment, automotive equipment and much, much more. Give us a call today on 0800 112 226 so we can discuss your requirements and get you on your way with your application.
What’s my interest rate?
All of our amazing customers bring a unique financial profile to the table when applying with us for their car finance needs. This means each of our customers will be eligible for a different car finance interest rate offer from our different lenders. However, at Road Trip Finance, our commitment remains the same: to secure the best possible interest rate for our customers on every application, every time. Phone us today on 0800 112 226 to start your car finance journey and get an approval today.
Can you finance leisure equipment?
Yes, you can! Lots of our customers come to us to finance their leisure equipment needs. We can assist with finance needs for boats, jet skis, motorcycles, motorhomes, caravans, tiny homes and much, much more!
