πΈ Apply Now
Or copy/paste this link into your browser: https://tradevibe.co.nz/loan
Need a bit of extra help to get what you want? πͺ
At TradeVibe, we make finance simple, fast, and friendly β because everyone deserves a fair chance to move forward. π
Whether itβs a π car to get to work, a π€ boat to enjoy weekends, a π³ personal loan for any purpose, or funds to grow your π‘ business or home, weβre here to help you get the finance you need. πΌ
We work with trusted NZ brokers and lenders to provide fast approvals, low interest, and affordable repayments that suit your budget. π°β¨
π Who We Can Help
Life isnβt always perfect β and thatβs okay! We consider a variety of situations:
- πΉ Some levels of bad credit β approvals depend on your individual circumstances, but we have a high success rate. β
- πΉ No licence or restricted licence
- πΉ Student visa holders with at least one year left π (permanent part-time income required for vehicle finance)
- πΉ Casual, part-time, or full-time income πΌ
- πΉ Income from WINZ, ACC, IRD, or self-employment
Our brokers assess your full situation carefully to find the best chance for approval. π¬
π Fast, Easy & Flexible
Applying is super simple:
- π» Fill out the online application (takes just a few minutes!)
- π² Upload your info securely
- β‘ Get a fast approval β often same day!
Once approved, the funds are yours to use anywhere in NZ β buy from a dealer, a friend, or a private seller. π
You can use your approval for almost anything:
- π Vehicle or car finance
- π€ Boat, jet ski, or lifestyle purchase
- π³ Personal loans for travel, bills, or emergencies
- π‘ Home or renovation projects
- πΌ Business tools or work gear
- π‘ Debt consolidation or top-up loans
π¬ Honest & Transparent
- β We donβt offer interest-free loans, but we do offer low-interest and low-repayment options.
- β We donβt do mortgage top-ups or Buy Now Pay Later β but approvals can be used for home or business needs.
- β We donβt issue credit cards or payday loans β we provide trusted finance that works for you. π±
π Why Choose TradeVibe Finance?
- β
Friendly, local NZ-based brokers π³πΏ
- β
Fast, fair approvals β even for people with certain levels of bad credit π₯
- β
Flexible repayments that fit your budget πΈ
- β
All income types considered πΌ
- β
100% online process β apply anytime, anywhere π
β Frequently Asked Questions β TradeVibe Finance π
Q1: Can I get approved with bad credit? πΉ
We consider certain levels of bad credit β while we canβt promise everyone will be approved, our brokers have the experience and industry relationships to maximise your chances. Each application is assessed individually. πͺ
Q2: Do you offer personal loans for any purpose? πΉ
Yes β approved personal loans can be used for almost any lawful purpose: travel, bills, medical expenses, renovations, debt consolidation, or emergencies. Tell us the purpose in your application so we can match the right lender. π³
Q3: Can student visa holders apply? πΉ
Yes π β student visa holders with at least one year remaining and permanent part-time income may be eligible for vehicle finance only. Student visas are not eligible for personal, business, or other loan types via this route.
Q4: Do I need full-time income? πΉ
Not at all! We consider full-time, part-time, casual, WINZ/beneficiary, ACC, IRD payments, and self-employed income. The main requirement is proof of regular banked income so lenders can assess affordability. πΌ
Q5: How fast can I get approval? πΉ
Often the same day β many applications receive a fast decision within 24 hours. Times can vary depending on how quickly you provide documents and which lender is matched to your case. β‘
Q6: What can I use my approval for? πΉ
Approved funds can be used to purchase vehicles, boats/yachts, tools, business equipment, home renovation items, or almost any declared purpose listed in your application. You can buy from a dealer or a private seller β use the funds where you need them. ππ€π‘πΌ
Q7: Do you offer interest-free loans or Buy Now Pay Later? πΉ
No β we do not offer interest-free finance or BNPL products. Instead, we focus on providing low-interest and low-repayment loan options that are more sustainable and transparent than short-term credit alternatives. ββ‘β
Q8: Can I get boat or yacht finance? πΉ
Yes β we offer finance options for boats, yachts, jet skis, and marine vehicles. These are treated like other vehicle loans and approvals depend on income, vessel type, and lender criteria. π€β΅
Q9: Do you provide mortgage top-ups or home loans? πΉ
No β we do not provide mortgage top-ups or standard home mortgage lending. However, approved personal or vehicle finance can sometimes be used to support home projects, renovations, or related needs. π‘
Q10: How do I apply and what documents do I need? πΉ
Apply online at
https://tradevibe.co.nz/loan. Typical documents: ID (passport or NZ driver licence), bank statements (showing income), proof of visa (if applicable), and any proof of benefits or ACC payments. Upload these securely in the application. π²
Q11: Can I use approved funds to buy from a private seller? πΉ
Yes β once funds are approved they can be used to purchase from dealers or private sellers, as long as the purchase matches the purpose declared in your application. β
Q12: What if Iβm self-employed or paid cash? πΉ
Self-employed applicants are welcome. Lenders generally look for banked income or evidence of consistent income β bank statements and invoices often help. If youβre paid cash, showing regular deposits into a bank account is useful. πΌ
Q13: Is the application secure? πΉ
Yes β our online application uses secure upload methods and your personal information is only shared with the lenders involved in assessing your application. Privacy and security are a priority. π
πΈ Apply Now
Or copy/paste this link into your browser: https://tradevibe.co.nz/loan
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