We welcome all New Zealand residents who are over the age of 18 years to apply for our customised finance packages.

To enable us to process your application as quickly as possible you need to send us proof of your income (eg. a payslip), proof of your identification (eg. drivers license or passport), and confirmation of where you live (eg. a bill with your name and address on it). Please send copies, not originals, of these documents. We also require your bank account details so we can arrange a direct debit for your repayments.

Not always. Each of our customers is personally assessed on a case-by-case basis, and we are committed to working together with you to determine whether a deposit is necessary. We assess the need for a deposit based on the level of finance you wish to borrow, your credit profile, and the asset that you wish to purchase.

Yes! We can recommend an extensive network of vehicle dealers throughout the country. These people are experts in their field and will make sure you find the vehicle to suit your needs. We can even negotiate discounts through our agreements with major vehicle suppliers, so make sure you call us first!

Yes you can, although you may find that there are some penalties to be paid if you do pay off your loan early. However, the cost of any penalties will always be lower than making payments for the full term of the loan, so it is always cheaper for you to pay your loan off quickly.

The minimum amount you can borrow from us is $5000. We have no set maximum amount. The actual amount you can borrow is determined after our discussions with you and is dependent on your credit profile and your requirements.

Almost anything! We can lend you money for major purchases such as a motor vehicle, boat, truck, commercial or private earth moving equipment, agricultural plant machinery or even a bus! Unfortunately we are unable to finance household appliance purchases.

We only require a Guarantor in certain circumstances. Each of our clients are personally assessed and the need for a Guarantor is based on the amount of finance you'd like to borrow and your credit profile. Business finance customers will usually require a guarantee from the Directors or Shareholders.

The normal loan term is between 6 months and 48 months (4 years). In certain circumstance we are able to provide shorter or longer terms.

Our standard response time is half a day, but we also offer a rapid response service if you need answers in a hurry. Just tell us your requirements and we'll let you know the answer within an hour!

If you are a new customer we do require you to take a credit check using Veda Advantage.

We are happy to process your application as long as you have some other form of personal photo identification, such as a passport. If you are applying for a vehicle loan remember you will still need an approved drivers license to legally drive a vehicle in New Zealand.

Yes you can. But you will require a co borrower who has a current licence.

Yes, we do require you to insure your asset. We think insurance is the smart way to protect your investment so we've made it a condition that everything financed through Whiting Financial Services Finance has to be fully insured.

We want to make it as hassle-free as possible for you to finance your purchases so all repayments are made by direct debit from your bank account.

Your first payment can start anytime within the first month after your purchase. Most companies require monthly payments.

If you are having financial difficulties and can't make a payment please just give us a call as soon as you know this. We realise that life has its ups and downs and we're happy to work out an alternative arrangement to help you get through an unexpected payment problem.
If you don't let us know prior to missing a payment then we will always contact you to check on the reasons why and to work with you to make an alternative arrangement for making that payment. Unfortunately, in the rare cases where clients have a longer-term problem with loan repayments, we will take firmer action.

We understand that people sometimes need or want to sell their assets before they have completely paid for them. If you find yourself in this situation then please notify us before you sell the asset as you have an obligation to pay back the outstanding amount. Unfortunately, if you neglect to do this we can repossess the asset as we have an interest over the security until you have paid the loan amount back to us in full.

Yes we can and yes we do! Pre-approvals are an increasingly popular way to arrange finance because they put you in a stronger bargaining position with the seller. By contacting us and arranging finance before you start looking for your vehicle you will have greater confidence in where to look, what to look for, and how much you can realistically afford to spend.

All finance companies and banks have the ability to charge fees. Some of the fee may be paid to Whiting Financial Services Limited for bringing the loan to them. The fees vary between clients and lenders on a deal by deal basis. You will be provided a quote showing the fee before agreeing to proceed.

Interest rates vary depending upon the security offered, the client details and the term. You will be provided with your interest rate quote before any documentation is prepared and you decide to proceed.