Taking out a vehicle loan? Picking the Right Car Loan Structure for Your Needs  

You’re about to get behind the wheel of your new car. It’s gleaming in the sunlight, probably as clean as it will ever be. But is your vehicle loan a good fit, too?  If you’re using a loan to help pay for your new ride, there are a few things to consider to help you…

Uncovering Hidden Savings: The Advantages of Regular Expense Audits

When was the last time you thoroughly reviewed your expenses? If it’s been some time, conducting an informal audit might reveal some unexpected savings. Here are a few starting points.

What’s your money mindset?

Have you ever thought about how much your financial outcomes are affected by your individual money mindset? While we might think of it as all about the numbers, our money lives are often shaped by things like our thoughts, beliefs and emotions…

Our Top Tips for a classic Kiwi Summer

We’re about to spill the beans on the top 10 tips for crafting a classic Kiwi Summer – the kind that’s loaded with sunshine, adventure, and a touch of that unmistakable Kiwi charm.

Work-Life-Financial Zen: A Guide to Achieving Balance

Struggling to find that sweet spot between keeping your work, life, and finances singing in harmony? Worry not, because we’ve got some useful tips coming your way. Let’s embark on the journey to zen-like balance – where work doesn’t overpower life, and your finances are happily doing the tango with your goals.

5 Simple Steps to Help Achieve Your Savings Goals

Many of us dream of saving more money but find it challenging to turn those dreams into reality. So here are some high-level tips to help you get started on your savings journey.

Tips to Pay Off Your Ride Faster

We all dream of that day when we’re finally free from car loan repayments. Well, guess what? There are ways you can help make that dream a reality sooner than you think!

Finding a car loan: understanding what works for you

So, you’re in the market for a car loan? At Motor Vehicle Finance we’ve got you covered. We’re here to help Kiwis like you find the ideal vehicle finance solutions. But with so many options out there, how do you find the perfect fit?

Unlocking the Mystery: Understanding Your Credit Score

Whether you’re applying for a mortgage, a personal loan, or even a new credit card, understanding your credit score is essential.

Factors That Can Affect Getting a Car Loan

Purchasing a car is an exciting milestone, but for some people, it often requires securing a car loan. However, obtaining a car loan is not always as straightforward as it may seem. In this article, we’ll explore some of the key factors that can affect getting a car loan in Aotearoa.

What to Consider When Purchasing a Used Car

In this article, we’ll explore what you should look for when buying a used car, providing helpful tips and guidance along the way.

Our three favourite Kiwi Budgeting Apps

We’ve handpicked three great budgeting apps that we think could help you bring improved order and control to your financial life. So, let’s dive in!

7 Things to Think About When Buying a Car Privately

It’s important to approach the process with careful consideration to ensure a smooth and satisfactory transaction. In this article, we will explore seven key things to think about when buying a car privately in NZ.

Exploring Finance Options for Hybrid and Electric Cars in NZ

Explore some of the various finance options available, including government tax credits, incentives, and specialised loans for EVs

Navigating Loans in a Higher Interest Rate World

In a world where interest rates are on the rise, obtaining a suitable personal or vehicle loan requires a strategic approach. Here are some crucial factors to consider and ponder upon.

Negotiate Vehicle Finance Terms Like a Pro

Buying a car is no small decision. It’s a big investment that can impact your overall experience of owning a vehicle, that’s why your negotiation skills can be the game-changer for an awesome ownership experience.

5 top tips for when you are car shopping

Whether you’re a first-time buyer or looking to upgrade, these five top tips will help you make informed decisions during your car-buying journey.

How to know when it’s time to replace your car

Whether it is your first car, the car you had an epic summer road trip in or the car you taught your child to drive in, it can be hard to let go of a car you are attached to.

Buying your car privately: What if something goes wrong?

If you’re in the market for a car, your options are generally through a licensed dealer or privately. Check out our tips if your new wheels come from a private seller.

The cost of multiple credit cards

More and more of us are using credit cards for our everyday purchases, but if you are running multiple credit and store cards, what are the risks and is it all bad?

Save Money on the Little Things

If you want to keep the smashed avocado toast, here are some other things to keep an eye on as opportunities to save money.

Need a new set of wheels for the family?

From make, to model, to people mover or station wagon – the choice is dazzling. How do you get the right one for your unique family needs?

Keep your power bill cool over summer

With the costs of the air-con and the extra drinks fridge cranking all summer long, you may get a bit of a shock at how quickly the costs of keeping cool add up.

How to get road-trip ready

If you’re one of the many thousands of Kiwis who loves a good summertime road trip, here’s some tips on how to make it a successful one.

Time to get serious about your finances this New Year?

Planning some NY resolutions? You might be thinking this decade is the decade to really get on track with your fitness, your health – and your finances.

Get financially organised before your new baby arrives

How can you keep the budget on track and still ensure you have all the necessities once the baby arrives? We’ve collected some tips to help you out.

How to cut costs on the fuel bill

With summer just around the corner, you might be thinking about your holidays. Here are some fuel-saving tips to help you go the distance.

Making love and money last a lifetime

Can’t have money discussions without an argument? We’ve collected some expert tips on how to keep your relationship in harmony with your money goals.

What to know before getting a car loan

Buying a car is an exciting time. Borrowing the money? Well, here are five things to check and understand before signing the loan agreement.

Why you need to take care of your credit score

If you’re applying for a new loan, or maybe just changing your power company, one of the most important numbers you’ll need to know is your credit score. Here’s why

When is it a good idea to consolidate debt?

Debt consolidation can help you manage your debt, and even pay it off faster. Let’s take a closer look at what it is and how it can help you become debt-free.

Selling a car with car finance owing

Before you put your car up for sale, make sure you know the following ins and outs of selling a car with finance still owing on it.

Debt servicing: Can you afford that loan?

Looking to borrow some money? The first thing your lender will want to check is your ability to repay the loan and still meet your other commitments.

Smart tips to fund a home renovation

Whether you’re considering a cosmetic change or a more extensive makeover, there are several different options available to fund the costs.

The relationship between money and emotions

Do you sometimes wonder why you never seem to have enough money to go around, no matter how hard you work? You are not alone…

Hidden costs of car ownership

Owning a car isn’t just about the upfront purchase price; it’s the whole life cost of your vehicle that matters. That’s why it’s important to budget for all costs…

Should you finance or should you save for your new car?

Looking to buy a car? Should you save for it or get finance? The answer depends on your circumstances. Let’s take a look at the pros and cons of each…

How to find the best personal loan for you

While the interest rate may be a key focus when considering personal loans, there are other important considerations. Here are some key things to look at…

Five mistakes to avoid when renovating an old property

A personal loan can help you fund your renovation, but if you want to keep your spending under control, these mistakes are to be avoided at all costs.

Five mistakes to avoid when applying for a loan

A personal loan can be a handy financial tool, and a great way to access the funds you need. But before applying for your loan, here are some common mistakes to avoid.

Questions to ask before buying a car

If you’re in the market for a new set of wheels, you may be wondering how you can narrow down all the options. Check out our quick guide, to help you find the right car.

Top things to look for in a family car

Is it time to look at buying a new family car? Aside from safety and comfort, here are some things to look out for, sourced from Rightcar.

Smart money steps to take in your 30s

Your 30s are a time of great change. If you’d like to get ahead and make some smart money decisions, here are some expert tips we’ve collected for you.

The pros and (many) cons of ‘homemade loans’

Family loans seem to benefit all parties involved, but come with significant risks. Here are some key things to keep in mind if you want to borrow from family members.

Top four reasons why Kiwis use personal loans

Looking to make a big purchase and haven’t quite got all the funds available? A personal loan might be just what you need. 4 top reasons Kiwis take out personal loans.

Three steps to a lower interest rate

Interest rates vary between lenders and are also based on a range of factors. Here, we give you three of our top tips to try and get a lower rate on your personal loan.

Top things to look for in a family car

Is it time to look at buying a new family car? Aside from safety and confort, here are some things to look out for, sourced from Rightcar.

Winter is coming: how to keep your bills cool

Winter is coming, and more heating generally means a higher bill; check out our tips to keep the power bill down while the heating is high.

These money lessons for kids will never grow old

It’s never too early to learn about the basics of money management. Here are some great lessons you can teach your kids, according to ‘Get a Financial Life’ author Beth Kobliner.

Sharing hearts and wallets

Different money personalities can mean friction when it comes to a joint bank account; we sourced some hot tips to help you manage your joint finances…

Why a rainy-day fund is a good idea

Life is full of the unexpected and sometimes our finances can take a hit. A rainy-day fund exists for those moments.

Steps to create an abundant mindset

Looking for some motivation to help you get your financial fitness up to speed? Try some of these tips to build a positive financial mindset, that will help you build your wealth.

Personal loan rejected? What to do next

Having a personal loan declined can be disheartening, but with a bit of effort and some good planning, you can get your finances back on track. Here are some smart tips to get started.

Do you know your credit score?

Having a good credit score can help you in many ways – including reducing the cost of your bills or giving you access to more cost-effective interest rates.

Seven car buying mistakes

Thinking about purchasing a car and need to be sure it’s not a ‘lemon’? If you’re on the hunt for your next vehicle, there are certain common car-buying mistakes to avoid.

Handy Hints for Your First Car Loan

Aside from credit and store cards, a car loan is often the first ‘big debt’ decision we make. Signing up for debt is a big step, so it’s important to understand your options and what you are committing to. If you’re considering getting your first car loan, take a moment to read on for a…

Your step-by-step guide to buying a used car

Your step-by-step guide to buying a used car Are you in the market for a used car, but are afraid of ending up with a clunker? Just because a vehicle is not new, doesn’t mean it can’t be new to you: in fact, a reliable second-hand car can be a fine alternative to a high-priced…

Want to pay off your car loan faster? Five tips to consider.

So you’re buying a new car and you need to get a loan? That doesn’t mean you have to be in debt for the next five years. If you’re planning on conquering your car loan quickly, take a look at these five tips to paying it off fast. 1. Make your budget realistic, but tough…

Looking for a car loan? Here’s three ‘must-know’ tips.

If you’re shopping for a new vehicle, then you might also be reviewing your finance options. Most vehicle purchases are high ticket items and that often means that finance is needed to complete the purchase. So how do you find the right finance for your needs? Whether you’re buying a car, a boat or a…

The search for the best deal in car finance

Finding the right car loan for your needs is about more than interest rate. It’s about getting finance that’s structured to suit your budget and goals. Here are some key things to consider if you’re looking for the best option for your car loan needs. 1. Understand your budget If you want to put yourself…

Are you happy with your car finance?

Paying off a car loan often takes a few years and a lot can change in the time between setting up your car finance and settling it. The best deal when you signed on the dotted line might stop delivering value as time passes. Do you take time out to review your car loan regularly?…

Five mistakes to avoid when getting car finance

Are you searching for the best car finance for your needs? Finding finance that works for you isn’t just about grabbing the first deal you see advertised. Your ideal car loan needs to tick all the boxes. If you’re looking for an outstanding option in car finance – you might benefit from avoiding these five mistakes.…

How Are You Planning to Finance Your Car?

If you’re in the market for a new car then you’ve probably started reviewing your finance options. A car is usually a big purchase, so it’s common to have to borrow money to cover the costs. Here are some of the different ways you could finance your next car, and a quick look at how…

Calculating the cost of your car

Would you like to understand the real cost of your next car? Whether you’re buying new or used, it’s helpful to work out your financial position before you sign on the dotted line. From using a car loan calculator to understanding potential running costs – here’s how to calculate the cost of your car. 1.…

Six tips for smart car finance

No matter if it’s new or used, shopping for your next car gets the endorphins pumping. But don’t let the excitement take over – it’s time to focus on the details and organise finance for your purchase. Read on for some of the key things to consider. Work out your budget It may sound obvious,…

Estimating your car loan payments

If you’re looking for a car loan, then you may be wondering how much you can afford and what it is going to cost. Using a car loan estimator allows you to calculate how much you will be repaying on a monthly basis. You can then make sure your car loan meets your budget before contacting…

Quick guide to the right car loan term for you

Setting up the right structure for your car loan is important. It can have a big impact on your ongoing budget and the overall cost of your loan. Read on for our quick guide on how to work out the right car loan term for you. 1. Be realistic about what you can afford Building a budget…

Five top features of a car loan company

If you’re looking for a car loan you may be wondering which provider to choose. Car loan companies range from car dealers to banks, and each company that offers car loans will tell you that they are the best. But if you’re in the market for a car loan what does a company really need to offer?…

Are you ready to refinance?

Is your car loan giving you the flexibility you require? It’s not uncommon for your needs to change. If that’s the case it might be time to change your car loan too. Look out for these easy to spot signs your car loan is under-performing and needs to go. How’s your budget? Setting up a…

Is it time for a car loan health-check?

Have you had your car loan for 12 months or more? If so it could be time to review your options and perform a health-check. Here are five simple steps to getting the most from your car loan. 1. Increase the value of your payments If your budget changes or your financial position improves, you may be…

Tips to stay in the driver’s seat of your car loan

It’s important to stay on top of your car loan, so if you want make sure you are firmly in the driving seat, stay tuned for our four key areas to focus on. Making your car loan work for you is about the longer journey, not just the short term goal of buying a car. Here…

What do you need to set up a car loan?

As with all lending, there’s a bit of paperwork needed to complete a car loan application. If you’re shopping for your next set of wheels and getting ready to find the vehicle finance you need, check out our quick guide to the kind of information lenders generally request. Whichever finance provider you choose is likely to…

Car loan basics – what they are and how they work

It might seem an obvious question, but what is a car loan? Of course it’s a loan to buy a car, but why not buy a car with a personal loan? Why not buy a car with a credit card or top up your mortgage? Let’s take a closer look at what a car loan is,…

Your Credit Score – A Quick Guide

Understanding the importance of a good credit score is made easy with our Quick Guide to Credit Reports. What is a credit report? A credit report scores an individual’s credit history based on their ability to follow a lender’s conditions. It also contains information about your recent borrowing history including details of any defaults; your…

Buying a Car at Auction

Going three times… Buying a car at auction. Buying a car at auction does not need to be either a scary or a risky experience. The right preparation can give you the tools that you need to bid then walk away with a great car. If you’re thinking of making a car purchase through an…

Decoding the jargon: car loan terminology explained

The world of finance can be full of confusing terminology. Car finance is no exception. And while we try to be jargon-free, we recognise that there are words that are used across the industry that can be difficult to understand. With that in mind we’ve produced this straightforward list of terms, so that you can…

Factors that affect car loans

When you’re looking for your next car, you may be entirely focused on deciding what you need from your latest set of wheels. It’s not uncommon to forget to think about how you’re going to pay for it, until after you’ve found exactly what you want. If you’re planning on making your purchase with a car…

Getting it right the first time – Tips for setting up your first car loan

Getting a car loan for your first car can seem daunting. Taking on debt is a big step in life, so it’s important to carefully consider what will work for your budget and what you can afford. Here are some things to ponder before setting up your first car loan. Quick takeaways: Affordability is essential –…

Less time; less interest. How to pay your car loan off faster.

Whether you’ve already set up your car loan or you’re simply considering your options, paying off your loan faster is financially best. That’s because the faster you pay your car loan off, the less you pay in interest, and the shorter the length of your loan. If you want to speed up your repayment rate,…

Good credit counts – Understanding your credit score

Have you ever wondered what your credit report says about you? There’s no time like the present for getting to grips with the importance of your credit status. Key points to know: Reviewing your credit report is a quick and easy way for finance companies (and potential employers) to assess your credit worthiness You can access…

Structuring your car loan – how to make it work for your budget

Getting a car loan to work for you isn’t just about choosing a provider that you can trust. It’s also about making sure that you structure your loan in a way that suits both your lifestyle and your needs. That usually means finding a repayment structure that fits your budget, and being able to borrow enough…

Review your car loan regularly – it’s well worth the effort

With all types of finance – including car loans – it simply makes sense to regularly review what you have and what your options are. Building up a good repayment history with your lender may mean there is an opportunity for an interest rate reduction. Or, perhaps you have a little more disposable income available, which…