We shop NZ's top lenders for the best rate, then negotiate directly with dealers to get you the best deal. All you have to do is drive away.
⏱
Takes around 5 minutes to complete
Decision in as little as 2 business hours
Responsible lending criteria apply. Rates from 8.45% to 29.95% p.a.
$75K
Max loan
8.45%
Rates from p.a.
2 hrs
Decision time
5 min
To apply
How it works
Three simple steps
1
Apply online in 5 minutes
Complete our quick online form. No paperwork, no branch visit needed.
2
We find the rate and negotiate
We shop multiple lenders and go to dealers to negotiate the best purchase price on your behalf.
3
Pick up your keys
We handle the paperwork. Once approved and signed, funds are paid to the dealer within one business day.
Why Launch Finance
We work for you, not the banks
🤝
We negotiate for you
We go into bat with dealers on your behalf, negotiating the best possible purchase price and deal terms.
🔍
We shop the market
We compare multiple NZ lenders to find the most competitive rate. One application, multiple options.
💬
End-to-end support
Your dedicated adviser manages the entire process from application through to the handover of your keys.
🏢
All credit situations
We consider all credit histories including defaults and bad credit. We find solutions where banks say no.
📋
No deposit options
No deposit? No problem. We offer $0 deposit finance options subject to responsible lending criteria.
⚡
Fast settlement
Approved and signed? Funds are typically paid to the dealer within one business day.
Customer stories
Kiwis who got on the road
★★★★★
"I had defaults on my credit file and thought no one would help. Launch Finance found me a great rate and had me approved the same afternoon."
JT
Jason T.
Auckland · Ute finance
★★★★★
"Super easy process. Filled in the form on my lunch break, got a call that afternoon, and picked up my SUV two days later."
SR
Sarah R.
Wellington · SUV finance
★★★★★
"As a self-employed tradie the banks always knocked me back. These guys found a lender who understood my situation."
MK
Mike K.
Christchurch · Car finance
* Testimonials are illustrative. Individual results may vary.
FAQs
Common questions
Legal
Terms and conditions
Ready to get on the road?
Apply in 5 minutes. No impact on your credit score to start.
Section 1 of 5 — Loan details
What type of vehicle are you financing?
🚗
Car
🚙
SUV
🚻
Ute / Truck
🚍
Motorbike
🚐
Caravan / Boat
Section 1 of 5 — Loan details
Where are you buying from?
✓
Motor dealer
✓
Private seller
✓
Auction (e.g. Turners)
✓
Trade Me
✓
Haven't chosen yet — pre-approval
Section 1 of 5 — Loan details
What is the purchase price?
$25,000
$1,000$75,000
Section 1 of 5 — Loan details
How much deposit do you have?
No deposit? No problem — enter $0.
$
$0$30,000+
Section 1 of 5 — Loan details
What loan term suits you?
12
months
24
months
36
months
48
months
60
months
Section 1 of 5 — Loan details
How often would you like to repay?
✓
Weekly
✓
Fortnightly
✓
Monthly
📋 Section 2 of 5 — Personal details
What is your full legal name?
As it appears on your driver's licence or passport.
Section 2 of 5 — Personal details
What is your date of birth?
Section 2 of 5 — Personal details
What is your email address?
Section 2 of 5 — Personal details
What is your mobile number?
Section 2 of 5 — Personal details
What is your current residential address?
Section 2 of 5 — Personal details
A few more household details
Required for your affordability assessment under the CCCFA.
Residential status
✓
I own this property
✓
Renting
✓
Boarding / living with family
Time at this address
✓
Less than 1 year
✓
1 to 3 years
✓
3 or more years
Relationship status
✓
Single
✓
Married / de facto
✓
Separated / divorced
✓
Widowed
Number of dependants
iPeople who rely on your income such as children. Used to calculate living expenses as required under the CCCFA.
0
1
2
3
4
5+
Section 2 of 5 — Personal details
Are you a NZ citizen or permanent resident?
✓
Yes — NZ citizen
✓
Yes — permanent resident
✓
No — work / student visa
💼 Section 3 of 5 — Employment and income
What is your employment status?
✓
Full-time employed
✓
Part-time employed
✓
Self-employed / contractor
✓
Beneficiary
✓
Student
✓
Retired
Section 3 of 5 — Employment and income
What is your employer's name?
If self-employed, enter your business name.
Section 3 of 5 — Employment and income
How long have you been in this role?
✓
Less than 6 months
✓
6 to 12 months
✓
1 to 2 years
✓
2 or more years
Section 3 of 5 — Employment and income
What is your gross annual income?
$65,000
$10,000$250,000+
Section 3 of 5 — Employment and income
What are your regular monthly expenses?
Include rent, loans, credit cards, childcare and other commitments.
$2,000 / mo
$0$10,000
🔒 Section 4 of 5 — Identity and credit
Driver's licence number
iUsed to verify your identity as required under the CCCFA. Encrypted and never shared without your consent.
Used for identity verification. Your data is encrypted and secure.
Section 4 of 5 — Identity and credit
Do you have existing loans or credit cards?
✓
No existing loans or credit cards
✓
Yes — under $10,000 total
✓
Yes — $10,000 to $30,000 total
✓
Yes — over $30,000 total
Section 4 of 5 — Identity and credit
Any credit issues in the past 5 years?
iBeing upfront helps us match you to the right lender. We work with specialists in all credit situations.
We consider all situations. Being upfront helps us find the best option for you.
✓
No issues
✓
Missed payments / arrears
✓
Defaults listed on credit file
✓
Previous bankruptcy or insolvency
📎 Section 5 of 5 — Documents and add-ons
Upload your supporting documents
Upload now to speed up approval, or skip and your adviser will follow up.
🔒
Driver's licence — front
JPG, PNG or PDF
✓
🔒
Driver's licence — back
JPG, PNG or PDF
✓
📄
Payslip 1 — most recent
JPG, PNG or PDF
✓
📄
Payslip 2
JPG, PNG or PDF
✓
📄
Payslip 3 — oldest of three
JPG, PNG or PDF
✓
All files are encrypted in transit and used solely for identity verification and income assessment as required under the CCCFA.
Section 5 of 5 — Optional add-ons
Would you like any of these?
Select all that apply. Pricing is based on your vehicle — our team will contact you with options.
GAP Insurance
Priced based on your vehicle
Covers the shortfall if your vehicle is written off and insurance does not cover the full loan balance.
Payment Protection
Priced based on your vehicle
Covers your repayments if you cannot work due to illness, injury, or redundancy.
Mechanical Breakdown
Priced based on your vehicle
Covers unexpected mechanical or electrical failures. Varies by vehicle age and model.
Comprehensive Insurance
Priced based on your vehicle
Required for all financed vehicles. Lender must be noted as an interested party on your policy.
Pricing for all add-ons is determined by the make, model, year and condition of your vehicle. A Launch Finance adviser will contact you with full pricing before any agreement is signed.
Your indicative estimate
Here is your finance summary
$0
estimated monthly repayment (excl. add-ons)*
Tap any card to edit that answer
Indicative estimate only. Uses an example rate of 14.95% p.a. Excludes establishment fees, PPSR charges and account fees. Final repayment may be higher. A Launch Finance adviser will provide a full accurate quote before any agreement is signed. Rates from 8.45% to 29.95% p.a.
Right to cancel: Once you enter into a loan agreement you have the right to cancel within 5 to 9 working days under the CCCFA by giving written notice to the lender.
✅
Application submitted!
Thanks ! We have received your application and a Launch Finance adviser will be in touch within 2 business hours.
Call us on 021 300 279
Email info@launchedfinance.co.nz