Calculate your payments

See how much you could borrow! Try our calculator or give us a call on 0800 462 277

Payment frequency
3.0 yrs
  • Loan amount should be between 3,000 and 100,000

*Annual interest rates range from 12.70% to 28.50%. The calculator is only an indicative guide and is based on the interest rate selected. Your actual interest rate, repayments, and total payments will depend on your personal circumstances and optional products selected. To better understand the rate that will apply to you, please call 0800 462 277. Responsible lending and product suitability criteria, terms, conditions and fees apply. For more information, please see Schedule of Fees.

How can I make a payment?

If you need to make a payment, you can make a bank transfer directly to our bank account - our details are on our Finance Information page, found here.

Please remember to use your loan number or registration number as a reference so we know it's you that made the payment!

What are your Christmas hours, and what happens with payments over the break?

We're closed on Christmas Day, Boxing Day, New Years Day, and the day after (December 25th + 26th, & January 1st + 2nd). Outside of these days, we'll be operating our normal hours of 8:00am - 6:00pm Monday - Friday.

If you have a direct debit payment due on a public holiday, it'll be debited on the the next working day.

If your vehicle has been fitted with a Go Connect device and you're experiencing an emergency or your starter is interrupted, send "ENBL" to 3411 via SMS from the mobile number we have on file. If you have any of your six emergency enables left, we'll automatically enable your starter for a period of three hours.

How much can I spend on a car?

This depends on a lot of things, but the biggest deciding factor is the amount you can afford to pay. To calculate this, we assess your income and expenses.

Where can I buy a car?

Sometimes we’ll give you a maximum lend amount, and you can go shopping anywhere like a cash buyer! In other cases, we will need to work with our suppliers to find you a car. We need to make sure that it’s fit for purpose, and in some cases will ask that a mechanic looks over it first – we don’t want you ending up with a lemon.

Can I buy any car?

Within reason – it needs to be fit for purpose. For example, we probably won’t approve a stretch limo as your daily runabout!

How long does it take before I drive away?

It depends on both your application and your chosen vehicle. If everything goes well and you can supply the necessary documents, you can apply and drive away on the same day!

How does interest work?

When your application is approved, you’ll be assigned an interest rate as a percentage. This rate is divided by 365, and calculated on your remaining balance at the end of each day. Every month this is charged to your account.

What interest rate will I pay?

This depends on your credit assessment. Our current interest rates are available on our products and rates sheet on the finance information page.

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