At Fit Financial we are partnered with LoanOptions.ai to keep applying for a vehicle loan simple and straightforward. To apply you must meet the below simple requirements.

1. 18 years or over 2. Have a steady source of income 3. Have a New Zealand mobile number 4. Must be a New Zealand resident, citizen or on an approved Visa

If you meet the above then you can apply for a vehicle loan with Fit Financial. The application form only takes minutes to complete and you can find your best-suited lender right away! Apply in minutes and get connected to your best match lender now!

Fit Financial prides itself on having one of the fastest online car loan applications (7 minutes or less), married with our intelligent AI lender matching service that takes the guesswork out of applying for car loan. Once you've applied the whole process to get approved can take anywhere from a few hours to a few days. The time it takes to get approved for a car loan depends on the lender, the type of car loan, and the borrower's credit history, income and available supporting documents.

The process once approved is super simple! We contact you to send over your loan contract. Once you have read the contract in detail and are happy to proceed, you sign the contract and send it back to our team. Usually the contracts are digital signatures and are paperless, so you can sign on the screen of your smart phone! It is that easy. Generally the funds will be released the same day that you sign your contracts and in some cases you will receive the funds immediately after you sign.

Yes, you can. In fact, at Fit Financial a car loan pre-approval is quick and easy. We just need some information about you and your finances and we'll give you an idea of how much you can borrow. This means that when you find the car you want, you'll know exactly how much you can afford. If you have your finances pre-approved prior to negotiating with the seller, this may lead to you getting a better deal and ensuring that you don't miss out on any specials that might be linked to a deadline. If you are looking to buy a car on finance its best you get a preapproval before agreeing to buy a car.

Yes, you can. At Fit Financial, we can finance any car no matter where you wish to purchase it from. Sometimes you might find a good deal on a car from a private seller and we want to make sure you have the funds ready to go. We will also liaise with the seller and make it as seamless as possible. The car loan process for buying a car from a private seller is different to buying a car from a car yard. We will need to ensure the car is roadworthy and usually we will arrange to have an inspection done to ensure the car is what it seems to be. To know more about the process of buying a private car on finance get in contact with the team at Fit Financial.

The maximum car loan term will differ from lender to lender, but is typically between 5 and 7 years. The car loan term you choose will affect your car loan repayments - the longer the car loan term, the lower your car loan repayments will be but the more interest you end up paying. Our team at Fit Financial is always available to speak to you to discuss all your options for your next car loan to make sure you have all the information before you make your decision.

Yes, you can. Our team at Fit Financial understands that not everyone has a traditional 9-5 job. We have car loan products available for self-employed individuals, including “no-doc” and “low-doc” loans. Because we work with so many small business owners we understand that not every business owner has all of their tax returns and financials completely up to date and so it is important to us to make it as easy and as frictionless as possible to help you apply and get an approval. All we need to do is gather some basic information from you in order to assess your car loan application and be able to match you to the best suited lender and present all your options.

Yes you can sell the vehicle at any time throughout the loan term however, you need to be aware that you will need to pay off the loan plus any fees or charges for early termination that a lender may charge. It's always best to speak with your car loan lender beforehand to understand the fees and charges you might be liable to pay. At Fit Financial we have access to many lenders who do not charge any early termination fees. If your intention is to sell the car before the loan term ends please let us know so we can factor this in when selecting the best loan for you.

A secured car loan is a loan that is backed by collateral and referred to as a "secured" car loan. The collateral for the loan when applying for a secured car loan can be the car itself, or some other property that the borrower owns outright. An unsecured car loan does not have any collateral attached however, in most cases will attract a higher interest rate.

Obtaining a loan secured against your house will get you the best interest rate but if you take 30 years to pay it off this will cost you significantly more in total interest cost than a 5 year car loan at a higher rate. So this is a good option as long as you are disciplined and repay the loan inside a 3-7 year period - regardless of the loan term your bank allows you to have.