Getting into the vehicle you want right now is possible with vehicle finance, but it’s important to be aware of what you’re signing up for. If you arrange your loan with the right expert help, fully understand your obligations and select a finance arrangement that’s suited to you, you’ll be zipping around town worry-free in no time.

To make the vehicle financing process easier and safer for you, read on to get the lowdown on everything you need to know.

Completing the application process

Applying for a vehicle loan is simple. All you have to do is drop into your nearest Nicholson branch with valid photo ID and proof of address, then pick the vehicle you want to drive away in.

We handle everything else. We’ll sit you down and grab the details we need to complete your application, including your annual income, then we’ll talk you through what your loan will entail. During this stage, we’ll fill you in on a few details, like your repayment obligations and the loan’s conditions.

This part’s important because it’s vital that you understand what you’re signing up for, and that you’re sure it’s the right option for you. If you’re not certain, it’s a good idea to speak with a friend, relative or legal representative who you trust to help you make the decision.

The most important detail is the repayments. You should be completely confident that you can afford them without causing any financial stress before signing on the dotted line.

Tailoring a loan to your needs

If a loan isn’t right for you, we’ll let you know and suggest another option that’s better suited to your needs. The decision is ultimately yours, but we aim to ensure you have all the information and assistance you need to make the right one.

A couple details of your loan that we can change to suit you include:

• Repayment amounts: if you’re just getting out into the workforce, or you’ve got other debts to pay, you can choose a loan with lower repayment amounts. That means buying a more affordable vehicle and/or having a longer loan term.
• Repayment frequency: usually we offer weekly repayments, but if your salary is paid fortnightly or monthly, we can change the repayment frequency to suit you.

The Nicholson promise

Nicholson Autos is a small town company and we’re heavily involved in helping out our local community. We rely on repeat business to survive, not rushed one-off sales. That’s why when you drop into one of our branches, we’ll never push you to buy with finance if we’re not confident it’s the right choice for you. Instead we’ll talk you through all the details so that you know what you’re doing, have a great experience and then (hopefully) you’ll come back and see us next time you need a new vehicle.

What’s more, most of our loans are sourced through a panel of New Zealand’s biggest financiers, so you know you’re getting a fair deal.

If you need a new vehicle, don’t write finance off. Drop into Nicholson Auto or give us a bell today to have a chat about your options and whether vehicle finance is the right choice for you.