Car finance like no other

A car loan or vehicle loan is money borrowed from your preferred lender to buy a car. The lender will then provide the funds for the car purchase, and you agree to repay the borrowed amount, along with interest, in monthly instalments and within the agreed timeframe.

Simplify offers the best car finance in NZ, with several options to suit your needs. You can choose a secured car loan that uses your vehicle as collateral, which allows us to provide you with more competitive interest rates. For those who prefer more flexibility, unsecured car loans don’t require your car to be tied to the load.

Although some lenders will require a deposit, it’s entirely possible to get an approved loan without one. No-deposit finance can make it easier for you to purchase a car without an upfront payment. For more information on our financing requirements.

Absolutely, Simplify helps you finance both new and used vehicles. We know that everyone’s preferences and budgets differ, and Simplify gives you flexibility where you need it. We work with a variety of lenders, ensuring you’ve got choices. Our financing accommodates the specifics of both new and used cars, including differences in value and depreciation. 

Whether you’re looking for a brand-new model or a reliable pre-owned car, we’ve got you covered with the best car finance in NZ. 

Yes, If you’re looking to buy a car privately, we can organise the loan and payment to the private seller. Plus, our loan experts can run the Car check, and provide a free valuation to ensure there is nothing owing on the car and you’re not paying too much.

Yes, we provide EV finance for both new and used electric vehicles, and hybrids.

Simplify car finance is specifically tailored for vehicle purchases, unlike traditional bank loans. This allows us to offer more competitive interest rates and terms that suit the needs of car buyers. Banks can oftentimes have rigid lending criteria, which can exclude many potential borrowers. 

Our application process is faster and more straightforward compared to most banks. While banks may require extensive documentation and lengthy approval times, our system ensures you can get pre-approved or approved in just a fraction of the time. Our loan experts are also here to provide support when you need it and help you find a personalised loan match.

Although some lenders will require a deposit, it’s entirely possible to get a loan without one. It will come down to your own individual circumstances and needs, as well as what you are wanting to borrow the money for.  A deposit can be a useful tool in reducing your interest paid, and loan repayments.

There are two types of car loans, secured and unsecured.

With secured car loans you need to provide collateral as security, which is usually the car itself. With unsecured loans you do not require collateral.

Often you will get a better rate with a secured loan. 

Depending on your preferences and circumstances, it can be beneficial to consult a loan expert who can help you find the best loan option for your needs. 

Interest rates can vary depending on multiple factors, these can include your credit score, loan term and type of vehicle. We aim to provide affordable and transparent options with a variety of lenders, so you can get the best possible rate. 

We believe in full transparency, so there are no hidden fees or unexpected charges, with everything laid out clearly within the application process. You can compare, select and get approved online in minutes with Simplify car finance. 

With Simplify’s streamlined process, many loans are approved within minutes or by the next business day. Your loan expert can help expedite this by ensuring your application is complete and accurate.

With Simplify, when you get an estimate, compare loans and apply for finance, it does NOT impact or affect your credit score. Our no-effect credit check ensures you can check your eligibility for a loan with confidence.

Disclaimer:  When submitting your application to any lender a formal credit enquiry will be placed on your credit file, this can affect your credit score at this time.  Our loan experts will inform you before submitting your application to any lender, so you can complete your application with Simplify, with total confidence.

Yes, you can get pre-approval with Simplify car finance. Pre-approval helps you understand your borrowing capacity, interest rate and repayment terms before committing to a vehicle, giving you a clear budget.

The pre-approval process is straightforward and can be completed online or with one of our loan experts. Once pre-approved, your offer is typically valid for a set period, giving you ample time to find the right car.

Simplify will complete two vehicle checks on any car you’re looking at, completely free of charge. These are:

• A vehicle history check

• A vehicle valuation check

As soon as you find a car you like the look of, let us know the details. We’ll then carry out the checks to find out if the car is correctly priced. This is important before you pay any money to the dealer or seller. Arrange a callback with one of our loan experts if you’ve found the car you want to finance.

Yes, Simplify provides flexible repayment options to best fit your budget and preferences. With some loans, you’ll also have the option to pay off your loan early or add additional payments during the course of your loan. You can arrange a callback with one of our loan experts to ensure you get the best available deal.

Your privacy is important to Simplify and we invest heavily in our technology and data protection. You can view our Privacy Policy which provides you with information on how we collect, use and store your personal information. Please take a moment to read this policy and understand it.

At Simplify, we strive to make car financing accessible to a wide range of customers, including those with less-than-perfect credit. While there is no fixed minimum credit score, your credit file will influence the terms of your loan, such as the interest rate and required deposit.

If your credit score is lower, we encourage you to speak with our loan experts. We can explore tailored solutions and help you understand how to strengthen your application. Our goal is to provide options that work for you, regardless of your financial background.

Yes, it is possible to get approved for a no-deposit loan, meaning you can secure a car loan with no upfront payment. No-deposit options can be ideal for those who want to preserve their savings or need access to a car immediately but may not have the funds for a down payment.

Approval for no-deposit loans will depend on individual circumstances and what you want to borrow the money for. Our team will assess your application and provide you with tailored advice to help you secure a loan match. Connect with us today and compare like no other.

You can view the fee schedules, rates and terms for Simplify loans on our website here Fees and Charges.

Yes, comprehensive car insurance is typically required for car finance through Simplify. Insurance protects both you and the lender in case of accidents, theft or damage. Our experts can provide guidance on choosing the right cover options to protect your loan and asset, giving you peace of mind from day one.

To apply for finance you’ll need to be a New Zealand resident or visa holder, over the age of 18 and receiving regular income. For documentation, you’ll need to provide: 

• Valid passport or NZ driver’s licence 

• Proof of address

• Evidence of regular income