5* Year Vehicle Loans

*applicable to cars, caravans, motorhomes and motorbikes only, under 10 years old and above $20,000

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We are not financial advisors. Any information provided on this website or via emails is not intended as investment or financial advice. It is merely information based upon our own experiences. The information we present is of a general nature and should merely be used as a place to start your own research and you should conduct your own due diligence.

In accordance and support of the Credit Contracts & Consumer Finance Act 2003(NZ) we will require confirmation of your income and expenditure as listed on the application form.

You should seek professional investment or financial advice before making any decisions.

PRIVACY ACT 2020 DECLARATION: Credit One Ltd is committed to protecting your privacy and maintaining security of the information you provide to us. We abide by the laws relating to privacy and safeguarding of information.


You authorise Credit One Limited to send this application to any third party (the Finance Company) and agree that either Credit One Limited or the Finance Company may do the following:

  1. You understand that Credit One Limited/the Finance Company is asking for personal information about you to use Equifax Ltd or Centrix credit report service to credit check you and that Equifax or Centrix will give us personal information about you.
  2. You understand that we will give your personal information to Equifax or Centrix and they will hold that information and use it to provide their credit reporting service.
  3. You understand that when other Equifax or Centrix customers use the credit reporting service, Equifax or Centrix may give that information to them.
  4. You understand that we may use Equifax's or Centrix credit reporting services in the future for purposes related to the provision of credit to me. This may include use of Equifax or Centrix’s monitoring services to include updates if information about you changes.
  5. You understand that if you default in your payment obligations to us, information about that default may be given to Equifax or Centrix and they may give that information about your default to other Equifax customers.

Pursuant to the Privacy Act 2020, I authorise Credit One Limited to or the Finance Company to contact Equifax Limited, Centrix Limited, Credit Providers, Finance Companies, my Employer, Landlord, Accountant, Bank, Solicitor or any other source including Government agencies, to obtain, check and exchange (both now and in subsequent applications) the protection and administration of any loan arising out of this application (both now and in the future) and to assist in the enforcement of any agreement between me and Credit One Limited or the Finance Company. I understand I have the right to know who is collecting and holding information and the right to have access to it and correct it if it is wrong.

The contact details for Credit One Limited, Centrix Limited and Equifax are as follows:

Credit One Limited, PO Box 11063, Ellerslie Auckland 1542.


Equifax, Private Bag 92156, Auckland.

Phone: (NZ residents only)

Phone: (overseas residents)


Centrix, PO Box 62512, Greenlane, Auckland 1546

Phone: (NZ residents only)

Phone: (overseas residents)


I/We confirm that we are no less than 18 years of age and I/We are not an undischarged bankrupt. I/We confirm that we have disclosed any other names that I/We are known by. I/We also confirm that all information I/We provide is accurate, up-to-date, complete, relevant, and not misleading. I/We certify as the Applicant(s) that I/We have read and understood the provisions contained in this Application.