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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

Good Choice. Better Rate. Great Service.

If you’ve got good credit, you may benefit from a lower interest rate and cheaper weekly payments.

car loans to finance a new / used car

To see how low, simply click “apply now”, fill in a few details, and we’ll get you sorted.

Honda CRV

*cars may differ from those shown

Toyota Estima

*cars may differ from those shown

Honda Stream

*cars may differ from those shown

Honda Presage

*cars may differ from those shown

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 NZ 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

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.

car finance delivery service

Privacy Waiver

I/We apply for a loan and certify that the particulars above and overleaf are true and correct, and that I/we are over the age of 18 years and are not undischarged bankrupts.

Pursuant to the Privacy Act 2020, I/we authorise the Finance Company and any related finance company to contact any credit reporting agencies, credit providers, employers, Government agencies or departments, accountants, identity verification providers, debt collection agencies, repossession agents, insurers, or any other source, to obtain, check, collect and exchange (both now and in the future) such personal, financial, credit and commercial information and references about me/us as is necessary for the purpose of considering this application, verifying my/our identity, administering and protecting any loan arising from this application, enforcing any agreement between me/us and the Finance Company, recovering any monies owing, or complying with legal and regulatory obligations.

I/We understand that personal information may also be collected indirectly from third parties in accordance with the Information Privacy Principles, including IPP3A, where permitted by law.

I/We agree that this authority may be provided to such parties for the purposes of obtaining or correcting such information. Under the provisions of the Privacy Act 2020, I/we are entitled to request access to and correction of any personal information held about me/us.

Furthermore, I/we specifically authorise the Finance Company to undertake a credit check for any Ministry of Justice overdue fines that may be outstanding. Overdue fines are defined as fines or reparations overdue for payment to the Ministry of Justice and not subject to a current payment arrangement.