Finance Guides

Straight talk on loans & finance in NZ

Practical, jargon-free guides on car loans, personal finance and business funding — written by the FYN Limited team.

Car Loans 5 min read

How to Get a Car Loan in NZ With Bad Credit

Bad credit does not mean no car loan. Learn how specialist lenders assess your situation and what you can do to improve your chances of approval.

17 April 2026 Read article →
Car Loans 5 min read

How Much Can I Borrow for a Car Loan in NZ?

Your borrowing limit depends on income, credit history, and the vehicle. Here is a clear breakdown of what lenders look at and typical amounts available.

17 April 2026 Read article →
Personal Loans 5 min read

What Is Debt Consolidation and Is It Right for You?

Juggling multiple debts? Debt consolidation combines them into one loan with one repayment. Here is how it works in NZ and when it makes sense.

17 April 2026 Read article →
Personal Loans 5 min read

Personal Loan vs Credit Card — Which Is Better?

Both can cover a purchase or shortfall — but the cost difference can be significant. A clear comparison to help you decide which is right for your situation.

17 April 2026 Read article →
Business Loans 5 min read

Small Business Loans NZ — What Are Your Options?

From unsecured loans to equipment finance and working capital — a guide to the main types of business funding available to NZ businesses.

17 April 2026 Read article →
Business Loans 5 min read

How to Get Business Finance as a Sole Trader in NZ

Sole traders can access business finance in NZ. Learn what lenders look at, what documents you need, and how to improve your chances of approval.

17 April 2026 Read article →