Q. Can I get pre-approved before purchasing?
Yes, then you're free to choose exactly what you want to buy.
Q. How do I apply?
It's easy. We can complete an application over the phone - just give our friendly team a call on. Alternatively you can complete our .
Q. Do I require a deposit?
Depending on your application details, some lenders will finance the full amount of your purchase. Many finance companies, when approached directly, require a large deposit however we are often able to negotiate around this.
Q. How old can the asset I want to purchase be?
Credit One has arranged finance for boats and recreational vehicles that are more than 20 years old at the time of purchase - your finance consultant will advise if there any restrictions are likely to apply to your specific application as it's also dependent on applicant profile.
Q. How long can I take the loan over?
Like vehicle finance, terms are available up to five years.
Q. What do I need to apply for a loan?
The requirements vary from person to person and business to business, but typically include photo identification, proof of address, and proof of income - your finance consultant will advise.
Q. Do I require comprehensive insurance on my caravan?
Yes. Comprehensive insurance is required on the asset you're purchasing for the duration of your loan. Credit One can even help you arrange insurance for your purchase.
Q. Can I purchase from a private seller?
Yes you can, and your finance consultant will help liaise with the seller and arrange supporting documentation.
Q. Why Credit One and not my bank?
As brokers, we have access to many different lenders that have various guidelines and rates. We can individually assess your situation and affordability to find the best product that is right for you or your business.
Q. What if I have bad credit?
This being the case we have a few avenues in order to assist clients with adverse or slow history. Best be upfront with us so we can assess the application accurately which will allow us to provide a quicker answer.
We are accredited with the most reputable lenders and insurers in New Zealand giving you a fair choice to compare.
Very quick and hassle free process Graeham is the man to deal with very stress free.
Our finance specialists work for you and will save you time and money by comparing 15 reputed lenders nationwide to get you best-rate finance.