Our finance partner.

Status

What "coming soon" means in practice.

Every "Apply" or "Get a rate" button on Carfinance.org.nz currently opens a small notice that reads "Finance Partner Coming Soon" and a brief explanation. Nothing leaves our domain. No personal information is collected here, and no third party receives a referral while the relationship is being finalised.

The calculator above is fully functional and stays anonymous. The numbers it produces are yours to keep, share, or take to any lender of your choice. When the partner is signed, the same buttons will route to their application.

What we are looking for

The criteria for a partner.

• A registered New Zealand financial service provider that holds the credit framework to handle the actual conversation with you.
• A multi-lender comparison panel rather than a single bank's book, so the application is checked against a meaningful spread of NZ lenders.
• A short application that does not double as a marketing capture form, with a clear separation between car price and finance.
• No separate broker fee charged to you. The cost of the referral sits on the partner's own margin, not on your loan.
• A privacy and CCCFA disclosure framework on their domain, so personal information stays off ours.

How the referral will work

What will happen when you click "Apply".

Once the partner is named, the flow is the standard referral arrangement common across NZ comparison sites:

1. Your browser will leave Carfinance.org.nz and open the partner's application on their domain. From that point on, you will be on their site under their privacy and CCCFA disclosures.
2. The partner will assess your application against their lender panel. They will collect the information a lender needs (identity, income, existing debts, the vehicle) and run the affordability checks required under the Credit Contracts and Consumer Finance Act.
3. If approved, the partner passes the application to the lender best matched to your profile. The lender makes the final credit decision and sets the rate, term, and fees.
4. If declined, the partner tells you why (to the extent the lender permits) and where possible suggests next steps. That could be a different lender on their panel or a different loan shape.

What we will earn

The commission arrangement.

When you apply through a link on our site and the partner approves you, we will receive a referral commission from them. The practical details:

• You will pay nothing extra for using our referral link. The commission will come out of the partner's own margin, not out of your loan.
• Our commission will be fixed per approved application. We do not get paid more for a larger loan, a longer term, or a higher rate, so we have no incentive to nudge you toward one shape of loan over another.
• The commission will only be paid on approved applications, not on clicks. We do not earn anything from you simply visiting the partner's site or starting an application you do not finish.

Why one partner, not a panel

A deliberate choice.

Some sites rotate visitors across a dozen lenders. We will pick one. The reasoning is that a single vetted partner means we can stand behind the experience you get after clicking through, rather than treating the click as the end of our responsibility. If a partner consistently fails to serve Carfinance.org.nz visitors well, we will change partners. The aim is one honest handoff, not a scatter-gun of lead-capture pages.