Looking For
a *new car?
  • Selection of vehicles
  • Fast, friendly service
  • Affordable weekly payments
Apply Now

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.

bad credit car loans apply online

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

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get car finance for Toyota Estima

Toyota Estima

*cars may differ from those shown

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Suzuki Swift

*cars may differ from those shown

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Vehicles-Finance-Sale-Hyundai Getz

Hyundai i30

*cars may differ from those shown

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Supporting documents:

Please remember to email admin@vsfltd.co.nz with your supporting documents. The supporting documents required are:

  1. Copy of full application (to be completed)
  2. Copy of your two latest payslips
  3. and/or copy of your FULL MSD WINZ breakdown
  4. 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
  5. Latest 90 days statements on ALL of your bank accounts
  6. Copy of your driver’s license (front & back) and or your passport (we must have photo ID)
  7. 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.

Privacy Waiver

I/We apply for a loan and certify that the particulars above and overleaf are true and correct and that I am over the age of 18 years and am not an undischarged bankrupt. Pursuant to the Privacy Act 1993 I/We authorize any finance company to contact any credit reporting agencies, credit providers, my/our employer/ s, accountant/s, or any other source, to obtain, check and exchange (both now and in the future) such personal, financial and commercial information and references about me/us as is necessary for the purpose of considering this application, the protection and administration of any loan arising out of this application, and to assist in the enforcement of any agreement between me/us and any finance company. I/We agree that you may produce this authority to such parties for the purposes of correcting such information. Under the provisions of the Privacy Act 1993, you are entitled to have access and request correction to personal information held. Furthermore I / We specifically authorise the Finance Company to search by way of a credit check for any Ministry of Justice overdue fines that may be outstanding. Overdue fines are defined as fines or reparation overdue for payment to Ministry of Justice and not under a current payment arrangement.