-
Your shopping cart is empty!
Your shopping cart is empty!
We connect buyers and sellers together by leveraging online marketing. Offering 100% FREE vehicle advertising on behalf of our clients, nationwide transport, and competitive finance options, we help customers throughout the vehicle purchase process.
Our simple loan process is 100% online. It takes about 5 minutes to complete and once submitted, one of our friendly staff at Car Culture will give you a call to discuss your application, gather any additional information if required in order to submit your application to a lender.
Because Car Culture works with a variety of lenders, we can help a wide variety of customers.
Our application process is very quick and we will keep you informed along the way.
Borrowers must:
● Be 18 years old or over.
● Have a NZ drivers license or overseas drivers licence and passport.
● Have a NZ bank account.
● Have an income of $550 per week (after tax) or greater.
● Not have any significant unpaid defaults or previous bankruptcies.
All loan is subject to the completion of an application form, successful responsible lending checks by a lender and fulfilling lending criteria.
Lenders will look at a variety of factors when determining your loan eligibility, including your credit history and income and undertake responsible lending checks.
Car Culture’s lenders offer competitive and personalised interest rates between 8.95% p.a. – 29.95% p.a.
Rates are fixed for the life of the loan. Check our Finance Calculator.
There are a number of reasons why your application may have been declined.
This may be that your income is not sufficient, your credit history is not suitable, or we have detected another issue with your application or banking information.
At Car Culture, we use digital technology to complete almost everything online. Once the application form has been complete on our website, we will then contact you for you to submit your bank statements via a secure link provided by Illion (a highly secure Credit Reporting Body) to view your bank information. This process is quick, convenient and secure and allows us to process your loan quickly.
While you are required to provide your internet banking login details during the Illion process, neither Car Culture or Illion sees or stores your internet banking credentials. Your credentials are encrypted when you enter them, passed to your bank to allow the relevant finance company read only access to your bank history, and then permanently deleted.
We use this information to verify your income and employment information, perform responsible lending checks plus confirm your bank account. If further income verification is required our friendly team will contact you directly.
Are there other options?
While the majority of our customers find connecting to Illion to be the fastest and easiest way to provide information, you may also upload a pdf copy of the last three months of your bank statement during the application process or send us a pdf copy of your bank statements after the application. This will however slow down your application.
If you have not signed your electronic Loan Contract you are free to cancel your loan application by sending us an email.
As a condition of lending, all of our finance providers require comprehensive car insurance to be taken out by borrowers. Car Culture works with Autosure and Go Cover insurance to provide competitive pricing for car insurance.
For more information or to get a quote, please get in touch. We will also reach out to you during the loan approval process to discuss this.
Payment Protection Insurance covers loan repayments in cases where you may become totally disabled through accident or illness, or are made redundant (for employees) or declared bankrupt (for self-employed).
In such cases, you are protected against having to make payments for the duration of the disability, or in the case of redundancy or bankruptcy for six months.
Payment protection insurance is offered during the loan application process. The specific policy offered to you will depend on your employment situation. For more information, please click here to access Autosure’s policy documents.
Car Culture offers Mechanical Breakdown Insurance policies through Autosure. Autosure Mechanical Breakdown Insurance covers the reasonable cost to repair the actual failure of mechanical or electrical parts as a result of a sudden and unforeseen breakdown that occurs during normal use in New Zealand, unless otherwise excluded in the policy book.
For more information, please click here to access Autosure’s policy documents.
Car Culture offers Guaranteed Asset Protection Insurance policies through Autosure. Autosure Guaranteed Asset Protection Insurance (GAP) protects you against losses that may occur when your vehicle is declared a total loss and the total loss settlement amount paid by your vehicle insurer is less than the outstanding amount you owe to your financier for your vehicle loan. GAP can only be taken out at the time of the vehicle sale and can only be purchased in conjunction with a credit contract.
For more information, please click here to access Autosure’s policy documents.
Read informative news to provide you with all the latest updates about the automotive world.
$132.00
