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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

Privacy Policy

How we use your information.

Vehicle Sales & Finance Limited may collect personal information directly from you or indirectly from third parties where permitted by law.

By applying for finance, making an enquiry, submitting information through our website, or entering into any agreement with us, you authorise Vehicle Sales & Finance Limited to collect, obtain, verify, use, store, exchange, and disclose personal information about you for purposes relating to:

  • Assessing and reviewing finance applications;
  • Verifying identity, address, employment, income, banking details, and creditworthiness;
  • Providing, administering, varying, enforcing, or recovering amounts owing under any agreement;
  • Managing repayments and customer accounts;
  • Locating and contacting customers;
  • Fraud prevention, risk assessment, and security purposes;
  • Insurance, vehicle ownership, registration, warranty, repossession, or enforcement matters;
  • Commencing or defending legal proceedings;
  • Assigning or referring debt to external collection or enforcement agencies; and
  • Meeting legal, regulatory, responsible lending, AML/CFT, and compliance obligations.

Sources of Information

We may collect personal information from the following sources:

Who provides us with the information Information collected Why we need this
Identity verification providers Identity and verification information To verify your identity and help prevent fraud
Credit reporting agencies including:
  • Centrix
  • Equifax New Zealand
  • Experian New Zealand
    •
Credit history, repayment history, defaults and credit score information To assess creditworthiness and manage lending risk
Government agencies and public registers including:
  • NZTA Waka Kotahi
  • Ministry of Justice
  • Companies Office
  • Insolvency Register
 		Vehicle ownership details, fines, insolvency and public register information To verify information, assess lending risk and enforce agreements
Employers, WINZ/MSD, accountants, referees and payroll providers Employment and income information To verify affordability and assess your ability to meet repayments
Banks and financial institutions Banking and repayment information To verify financial position, account conduct and payment history
Motor vehicle dealers, insurers, repairers, auction houses and warranty providers Vehicle ownership, insurance and vehicle-related information To administer finance agreements and manage vehicle-related matters
Debt collection agencies, repossession agents and tracing agents Updated contact, address, location and recovery information To locate customers, recover overdue amounts and enforce agreements
Courts, tribunals, solicitors and enforcement agencies Legal and enforcement information To manage disputes, enforcement activity and legal proceedings
Third-party lenders and finance providers Credit assessment and lending information To obtain finance approvals or refer applications where appropriate
Website and analytics providers including Google Analytics Website usage and visitor activity To improve website functionality and customer experience
Service providers and contractors acting on our behalf Administrative, verification and support information To assist with administration, customer service and operational functions

Credit Checks and Ministry of Justice Searches

You authorise Vehicle Sales & Finance Limited to conduct credit checks and obtain information from credit reporting agencies and other credit providers, both now and in the future, for purposes related to your application, any loan agreement, debt recovery, enforcement, account administration, and ongoing credit assessment.

You also specifically authorise Vehicle Sales & Finance Limited to search for any overdue Ministry of Justice fines or reparations that may be outstanding and not subject to a payment arrangement.

NZTA and Motor Vehicle Register Access

Vehicle Sales & Finance Limited uses third-party identity verification providers, including NZTA Waka Kotahi verification services, to verify identity information.

Vehicle Sales & Finance Limited is authorised by NZTA Waka Kotahi to access information recorded on the Motor Vehicle Register (MVR). We may use MVR information to verify vehicle ownership, security interests, registration details, and related vehicle information during the term of any agreement with us.

Where necessary, this information may be disclosed to authorised staff, agents, contractors, insurers, repossession agents, debt collection agencies, or other parties acting on our behalf.

You may revoke authorised access to your personal information held on the Motor Vehicle Register at any time through the NZTA website.

Third-Party Lenders and Insurance Providers

Where necessary, your application or information may be referred to third-party lenders, insurers, or associated finance providers for assessment, approval, insurance placement, or related services.

Those parties may conduct their own credit checks, identity verification checks, or other searches in accordance with their own privacy policies.

Indirect Collection of Information (IPP3A)

Under the Privacy Act 2020, including Information Privacy Principle 3A (IPP3A), Vehicle Sales & Finance Limited may collect personal information about you indirectly from third parties and external sources both now and in the future, and not always directly from you.

This may include obtaining updated contact, address, employment, income, banking, financial, credit, location, vehicle ownership, enforcement, or recovery information for purposes relating to:

  • Assessing finance applications and creditworthiness;
  • Verifying identity and preventing fraud;
  • Administering and enforcing finance agreements;
  • Managing repayments and customer accounts;
  • Locating and contacting customers;
  • Recovering overdue amounts;
  • Repossession, legal proceedings, and enforcement activity; and
  • Meeting legal, regulatory, responsible lending, and AML/CFT obligations.

Information may be collected from credit reporting agencies, government agencies, public registers, employers, financial institutions, insurers, debt collection agencies, repossession agents, tracing agents, third-party lenders, and other parties authorised by law.

Where required under the Privacy Act 2020, Vehicle Sales & Finance Limited may notify you when personal information has been collected indirectly from another source, unless an exception under the Privacy Act applies.

Security and Disclosure of Information

Vehicle Sales & Finance Limited takes reasonable steps to protect and securely store personal information. However, while we take security seriously, no system or method of electronic storage or transmission over the internet is completely secure.

There may be circumstances where information is shared with authorised third parties, contractors, insurers, lenders, or service providers, where reasonably necessary for the purposes outlined in this Privacy Policy.

In the event of a sale, transfer, restructuring, or merger of our business, personal information may be disclosed or transferred as part of that transaction.

Website Analytics

We may use Google Analytics and similar technologies to collect information relating to website usage, performance, and visitor activity to help improve our services and website functionality.

Access and Correction

Under the Privacy Act 2020, you are entitled to request access to and correction of personal information held by Vehicle Sales & Finance Limited. If you wish to access or correct your information, please contact us using the details below.

Contact Us

Vehicle Sales & Finance Limited
Email: sue@maxamise.co.nz
Phone: 027 442 6376

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.