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

Responsible Code of Lending Policy

Vehicle Sales Finance Ltd takes their responsibilities under the Responsible Code of Lending seriously.

We intend to keep our clients fully informed of any changes that materially affect them and relate to their borrowings with our Company.

We will treat all borrowers and guarantors reasonably and in an ethical manner including:

  • when breaches of the loan occur or when other problems arise
  • when a borrower suffers unforeseen hardship (see our Hardship Policy)
  • and/or during a repossession process

As a lender, we will make reasonable enquiries as to your ability to service any borrowings, i.e. granting of a loan. It is our intention that any credit provided will meet your needs and objectives.

It is our intention that any borrower will be able to make repayments under the loan, without suffering substantial hardship.

We aim to help borrowers to make an informed decision about whether to enter into the loan. Furthermore, we aim to help you to make informed decisions in all subsequent dealings about the loan.

Full disclosure is given as to all terms and conditions of any lending, and it is our intention that this is expressed in plain language in a clear, concise and logical manner. However, if you do have any questions please contact sue@maxamise.co.nz.

**Lending conditions apply, some applications may be declined.

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.