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Carfinance.org.nz
Referral live

Our finance partner.

The apply buttons across the site hand you off to Simplify. Everything that happens after that click happens on their domain, under their disclosures.

We are a calculator and information site, not a lender. "Apply" hands you off to a single vetted New Zealand-based loan comparison service. Here is how that handoff works, and exactly what changes hands.

Status

What happens when you click apply.

Every "Apply" or "Get a rate" button on Carfinance.org.nz opens Simplify's application on their own domain. We record that the click happened, against the page it came from. We do not collect your name, your email, or anything else that identifies you.

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. Using the calculator sends nothing to the partner.

Why this partner

The criteria we picked against.

  • A registered New Zealand financial service provider that holds the credit framework to handle the actual conversation with you. Simplify is FSP455126 and holds a class 3 financial advice provider licence from the Financial Markets Authority.
  • 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.
  • A dispute resolution scheme we can point you to if something goes wrong. Simplify is a member of Financial Services Complaints Limited, member number 5975.
  • A privacy and CCCFA disclosure framework on their domain, so personal information stays off ours.

How the referral works

What happens when you click "Apply".

The flow is the standard referral arrangement common across NZ comparison sites:

  1. Your browser leaves Carfinance.org.nz and opens Simplify's application on their domain. From that point on you are on their site, under their privacy and CCCFA disclosures, and their terms and fees are theirs to set out.
  2. Simplify assesses your application against their lender panel. They 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 application goes 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, Simplify 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 earn

The commission arrangement.

When you apply through a link on our site and the application is approved, we receive a referral commission from Simplify. The practical details:

  • Our commission is paid per approved application rather than as a share of the loan. 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.
  • It is paid only on approved applications, not on clicks. We do not earn anything from you simply visiting Simplify's site or starting an application you do not finish.
  • Simplify sets and discloses its own terms and fees. That is a matter between you and them, and it is set out on their site before you sign anything.

Your right to shop around

Applying through Simplify does not lock you in. If you receive an offer and decide you would rather take it to your own bank or another lender, you are free to do that. An approval is an offer, not an obligation.

Why one partner, not a panel

A deliberate choice.

Some sites rotate visitors across a dozen lenders. We picked 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.

Run the numbers first.

The calculator is fully functional and stays anonymous. The indicative weekly repayment costs you nothing and commits you to nothing, and it is a useful thing to have in your head before the partner asks what you are after.

Open the calculator About us

Disclaimer

A car loan runs for years, and the repayment comes out of the same pay that covers everything else. This site exists to show you that weekly number before you sign anything. The payment that catches people out is the one that's fine on a good week and tight on a bad one.

Carfinance.org.nz receives a commission from Simplify when a visitor applies through this site and their application is approved. We refer every visitor to the same partner because they compare multiple New Zealand lenders on the applicant's behalf, so the referral is not driven by a sponsored deal. Simplify sets its own terms and fees and discloses them directly; anything you agree to happens on their side, not ours. Every figure shown on this site is a modelled estimate based on the inputs entered; the actual rate, fees, and repayments are set by the lender after assessing the applicant's circumstances and its own credit decision. Carfinance.org.nz is a calculator and information tool. We are not a lender, not a broker, and not a registered financial adviser. Any decision about whether a specific loan suits a specific situation is best made after talking with the lender, and for amounts that materially affect the household, with a registered financial adviser.