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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

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.

To see the full contract please click here
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**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/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.