Finance FAQs

Your questions answered

  • Q. What will I need to bring with me?
    A. When you come in and see us, bring with you three months of bank statements showing your pay going into your account, your ID such as a drivers licence, and details of any other loans or payments you are making.
  • Q. How much can I borrow?
    A. This all depends on your personal circumstances such as your income and living costs. For a quick guide, try our affordability calculator or complete our online application form, and we will get back to you with a pre-approval and details of exactly what you can borrow.
  • Q. I have a Baycorp default. Will I still get finance?
    A. We understand that every now and then something goes wrong, and we can often look past some defaults. If you think you might have bad credit it would be best to complete our online application form and let one of our finance managers see what we can do to help.
  • Q. How much deposit will I need?
    A. We can arrange finance with a deposit as little as $50 depending on your personal circumstances. You can also use your old car as a trade-in and deposit, and it doesn’t even matter if you still owe money on it.
  • Q. What if I am buying the car to help a family member?
    A. As long as you give us all of the details we can often help. However, we may need that family member to complete an application form as well.
  • Q. What if I am on the benefit or get family support?
    A. We have helped thousands of people who receive a benefit or family support to buy a car, The easiest thing to do is complete our online application form then come in and see us with a bank statement showing the payments going into your account.
  • Q. What if I still owe money on my old car?
    A. That’s not a problem - in most cases we can trade in your old car and pay off the old loan for you. We then simply deduct that amount you owe from your trade-in value.
  • Q. How do I contact Community Financial Services?
    A. You can call CFS on 0800 88 2000 or email
  • Q. Can you finance me with a learner’s license?
    A. Unfortunately, you will need at least a restricted license to qualify for finance.
  • Q. I am already pre-approved with another finance company - can I buy a car from you?
    A. If you have already been approved by either your bank or another finance company it is definitely worth talking to us, as we can often save you money on your loan payments! Just send your local branch an email and we will be in touch.
  • Q. Do I need the Enterprise full protection package?
    A. While none of these policies are compulsory, they are definitely recommended as they help to protect you and your family in the event the worst happens. Talk to one of our finance managers to discuss your options - you would be surprised how much protection you can have for only a few dollars a week.

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