Rating based on 20 reviews

Credit One

  • Car loans up to $1,000,000
  • Low-interest starting from 7%
  • Repayment up to 60 months

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Credit One homepage
Author Credit One. Screenshot of Credit One website.
[Accessed April 17, 2018]

Credit One - Reliable credit solutions

Credit one can be traced back to the 1990s and has grown to be one of New Zealand’s most recognized names when it comes to car loans.

Credit One offers you a one-stop financial solution and convenience at your fingertips.

Our website is always available online 24 hours a day so you can apply for a loan at any time of the day or night.

Our consultants are trained to find you the solution that you have been searching for.

Our company gives you access to a wide range of choices, our packages cater for all your need and requirements, chose your fees, how much you need to borrow and how long you need to pay back the loan.

Why you should choose Credit One as your credit solution

  • Convenience: our service is always available online
  • Choice: chose between our leading lender and design your own contract with terms that suit your budget
  • Freedom: chose between low upfront fees, premium finance packages, or upfront fees and repaying your loan early with no penalty fees
  • No waiting: there is no need to wait around to find out if your loan has been approved or not
  • Excellent customer service: Our excellent quality service is offered by knowledgeable, unbiased staff that will assist you in arranging every aspect of your finances.
  • Confidence: We are confident that we will find you the best deal available and get you behind the wheel of the car of your dreams even quicker than any other lender

Credit One Services

There are many different car loan financing options available that offer easy to manage cost-effective vehicle loans that are completely hassle-free. We will help you find the right car to meet your needs, we search for you so that you don’t have to.

You want to drive your new vehicle as soon as possible so we aim to get you the keys to your new car as quickly as we can. Our financing options offer you a choice between a low interest rate or a balloon payment.

Business car finance solutions

If you require a car for business use or you need a fleet of vehicles to help your business run smoothly, then we have different packages to suit your needs. Your consultant will advise you on which solution will help grow your business. Our long and short-term loans will help you increase your cash flow and maximize your tax benefits.

Hire purchase or credit sale agreement solutions

Buying a car through a registered dealer gives you access to a range of different benefits including:

  • Your vehicle can be listed as an asset and used as security and GST can be claimed on an asset invoice.
  • You can claim for depreciation on your vehicle and your interest can be deducted via your tax return
  • If your business operates via seasonal cash flow we can customize your repayment terms to meet these requirements
  • Your repayment terms vary between 6 and 60 months depending on how long you need to repay the loan.
  • Your interest rate will be fixed for the duration of the loan so you always know exactly how much you need to pay
  • There are quick approval loans available that offer up to 100% funding

Credit One – Car loan

  • Loan Type Car loans
  • Interest Rate 720% p/a
  • Loan Amount up to $1,000,000
  • Repayment 12 months to 60 months

Benefits of Credit One

  • Quick vehicle loan comparison
  • Affordable finance options
  • Get the best interest rate

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Credit One - A variety of loan options

Once you have come to the end of your loan agreement you will be able to decide between 3 different options.

  • You can either pay the residual value (final installment) and then retain ownership of the vehicle
  • You can sell or trade the vehicle and use that money to settle the residual payment and then replace it
  • You can refinance the residual value and continue the lease until you have paid off the vehicle in full

Financing through an operating lease

An operational ease will enable you to lease the vehicle without putting your business at any risk that would normally come from owning the vehicle.

If you have a large fleet of vehicles this can drastically reduce the cost of running them. If you keep the vehicle in good condition you can simply return it at the end of the lease term.

The main benefits of this type of agreement include:

  • The ownership of the vehicle is retained by the lease provider
  • The lease installments are tax-deductible
  • Your monthly rental payment gives you full use of the vehicle
  • You can decide how much your business will cover when it comes to distance allowance traveled
  • There is no need to supply collateral to secure your vehicle loan
  • You have the option to include maintenance into your monthly payments
  • You do not need to report the vehicle as an asset on your balance sheet
  • The installment can be fixed for the duration of the loan agreement

 A Novated Lease

This is a type of agreement between you (the employee) and your business and the person in charge of financing this agreement puts the obligation on the business to make payments on the business loan. In this arrangement, the company will pay the loan on behalf of the employee.

Customer Reviews & Testimonials

We got stuck after we had thought we were done paying for our new car and we found out there was a balloon payment and now we have been helped by this lovely company and we will be keeping our ca...

Chloe S
— Auckland —

Unsure about how much your loan will cost you all you have to do is use the repayment calculator and you will be able to find out.

Loren L
— Hamilton —

They have great service what a help they were when I had queries and I got a super-fast response from them.

Joshua M
— Nelson —

Credit One Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday Closed –
  • Sunday Closed –