Personal Finance

Car Loan

It’s your choice

We wouldn’t choose a car for you, so why should we tell you which finance plan to choose? Call us and we can talk you through the features and benefits of the different options available to you.

Motor vehicle loan

We offer low or even no deposit finance depending on your particular circumstances. Our flexible terms, from 1 to 4 years, means that we can tailor a package to suit your needs.  You decide how often you want to make the repayments - weekly, fortnightly, monthly, or seasonally adjusted, whichever best suits your budget.


Personal Vehicle Finance is available to anyone who is a legal resident in New Zealand, 18 years of age or over who can demonstrate a reliable income.  In some cases we will accept co-borrowers to support an application where needed. In order to process your application, you will need to provide copies of:

  • proof of identification (passport, driver's licence)
  • proof of income (payslip)
  • proof of insurance 
  • valuation of the vehicle from the car dealership (note:  if buying privately, you can obtain a valuation from a car dealer).


  • Flexible: loan terms of between 1-4 years, depending on your needs and the age of the asset you want to purchase.
  • Safe: loan may include loan protection that will cover repayments in case of unemployment, disability and death. We also offer shortfall protection and comprehensive motor vehicle insurance.
  • Personalised: either fortnightly or monthly repayments.
  • Convenient: repayments can be made via direct debit.

Extra Benefits

  • Super-fast approval.
  • First month repayment not due until a month after contract settles.
  • Repayments fixed for the term of the contract.
  • Interest calculated daily on current balance.
  • Lower interest than standard unsecured personal loan.

Finance is subject to credit assessment and approval. Credit fees and charges are payable. Terms and conditions apply.

For more information please contact Whiting Financial Services now on (04) 568 5120 Monday to Friday 8:00am – 5:00pm or email Whiting Financial