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If we haven't answered the question you have below, don't worry.  You can still contact us directly and we'd be happy to answer any other questions you may have.


1. Do you finance learner license holders?

​Yes, we can do learner driver licence holders and we have several lenders that will look at learner driver licence holders but with different conditions. It’s always better on a restricted or full licence, but we can assist with any licence holders, including overseas licence holders!

2. What other items do I need to support my application?

​You need to provide the following information with all applications:

2 x months worth of proper duplicate bank statements with your name and address on them in PDF format

1 x copy of your photo driver license

1 x recent payslip

These items help us to help you get a speedy decision on your finance application

3. I am self employed, can you help me?

​Yes, we certainly finance self employed people.  If you have financials for your business that always helps but if not, the above information will suffice in most cases.

4. I have bad credit, can you help me?

Yes, we are happy to look at your application if you have had problems in the past.  Talk to us.  It's our job to help you to get the finance so we can work together to hopefully find a solution. 

5. How long does it take to get an answer?

​We strive to have an answer the same day of receiving the application and information.  The better the information, the faster the process!

6. What if I have been declined elsewhere?

​Try us. We have 14 different lending facilities and will certainly do our best to be able to assist you. We can present your application to several different companies by doing only one credit check as well. Whoever you have been declined by, let us know so we can steer you in the correct path.


7. Do you have an office that I can visit?

We are a mobile based company and predominately come to you when your loan has been approved.  We are based in the Greater Wellington Region however can cater to anyone, anywhere in New Zealand.

8. Do you charge for your service?

Yes, as a broker it is standard practice to charge up to 10% of a loan value.  This can be made up from a brokerage fee charged to the client in the contract or via a commission paid to us by the finance company. However we charge $150 per hour with a minimum charge of three hours.

9. Are you registered?

​Yes. Fresh Start Finance LTD are Registered Financial Advisors and a member of the independent dispute resolution scheme operated by the Insurance and Financial Services Ombudsman Scheme.

10.  Do I have to buy from a dealer or can I buy privately?

We always recommend that you buy from a Licensed Motor Vehicle Dealer as you are then covered by law by the Consumer Guarantees Act.  However if you wish to purchase privately, we can still organise your finance for you as well, but check out our BUY A CAR button on the front page!

11. Do you do Mortgage and Home Lending and Caveat Lending?

​We can do Caveat Lending for vehicles and debt consolidation but we are aligned with a Mortgage Company who are able to help.


12.  What is the interest rate?


The interest rates vary from 8.95% through to 29.95%. A medium rate is around 12.95% – 17.95%.


Under new responsible lending code, the interest rates are determined by the clients overall profile however we have listed above the range and a  worst case scenario.  Factors that will be taken into consideration when applying for finance include and are not limited to the following:  A credit check, employment, income and expenditure, type of driver licence held (full/restricted/learners) dependents, other loans etc.


"You deserve a fresh start"


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