Finance Criteria and Companies

Finance Criteria

To apply for finance you must meet the following criteria:

1. You must be at least 18 years old.
2. You must be a New Zealand citizen or permanent resident.
3. You must have a valid form of photo ID.
4. A 10% deposit is recommended to strengthen the application (it's not compulsory but the finance company will usually ask for a deposit).

Two Finance Companies Available

We have online finance available though two finance companies - Finance Now and Gilrose Finance.  Having two companies offers you more flexibility, as each company has different options available, so that we can tailor the finance to suit you best.  When you make a finance application we can submit this to either one of both company (at your preference) to get you the best finance deal we can.  Below are the key differences between the two finance companies.


Finance Now

Finance Term:  6 months minimum - 48 months maximum (with one month increments)
Minimum Finance Amount:  $299
Interest Rate: 19.90%
Forms of ID Accepted: Drivers License or Passport
Other conditions:  Applicants out of Auckland who are approved will require a Justice of the Peace to witness their ID when signing the paperwork. Normal lending criteria apply.


Gilrose Finance

Finance Term:  6 months minimum - 36 months maximum (with six month increments)
Minimum Finance Amount:  $500
Interest Rate:  22.90%
Forms of ID Accepted:  Driver's licence, Passport, 18Plus card or photo Credit Card
Other conditions:  Applicants out of Auckland who are approved will require a Justice of the Peace to witness their ID when signing the paperwork. Normal lending criteria apply.

Please feel free to contact us with any questions.
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