We provide options for good and bad credit clients.
Both may apply. Applications are subject to our lending criteria, ensuring that any car payment is affordable for you and your family and that it will fit comfortably within your weekly budget. Applications may be declined
Adverse / Bad Credit
We’re here to help people with adverse / bad credit issues “get on the road again!”
We provide the car and finance with affordable weekly payments. Due to our range of cars available, we can potentially cover anything – from the best-of-the-best credit rating, down to people who have found it difficult to get approval. Even if you have a less than perfect credit history, we are here to make things easier. Applications are subject to our lending criteria, and may be declined.
Simply click “apply now”, fill in a few details, and we’ll get back in contact with you to get more information to complete your application to get you back on the road again.
Types of Vehicles
Honda Odyssey
*cars may differ from those shown
Toyota Estima
*cars may differ from those shown
Suzuki Swift
*cars may differ from those shown
Hyundai i30
*cars may differ from those shown
Happy with the help my family has received, we can now travel in one vehicle instead of several trips in cars
Thank you for the great service! You have been wonderful to deal with and the process has been stress free
Fast and easy process – happy with how I was treated
Now I can get to work and my course – with an economical car – cheaper than buses and public transport
Supporting documents:
Please remember to email admin@vsfltd.co.nz with your supporting documents. The supporting documents required are:
- Copy of full application (to be completed)
- Copy of your two latest payslips
- and/or copy of your FULL MSD WINZ breakdown
- Proof of address, i.e. your phone bill or your power bill – If you are in a Housing Corp home we prefer the front page of your tenancy agreement as proof of address
- Latest 90 days statements on ALL of your bank accounts
- Copy of your driver’s license (front & back) and or your passport (we must have photo ID)
- Employment details (if applicable)
We try to make the process easy, but at the same time we are mindful that your budget has to allow for the costs of running and maintaining the vehicle that we supply, not just the weekly loan repayment. All vehicles must be insured, we are able to arrange cover in most instances.
Furthermore we acknowledge that your circumstances may change from time to time so please keep us updated on changes that may affect your ability to service your loan with us. If things are becoming difficult for you to make your payments we would rather that you contact us and make a payment arrangement than not – which may lead to repossession of your vehicle.
*New car is in reference to a new car for you personally. All our car models are used and modern.