How do I apply for a loan with Oxford Finance?

Applying for a loan is simple.  You can apply online by clicking here or call us toll-free on 0800 88 44 66 and we can get your application underway immediately. We’ll need to know some basic information like your income, expenses and credit history.

How long will it take for my loan application to be approved?

Within one working day once we have received all relevant information from you.

How is the interest rate calculated?

The interest rate you will be charged is based on:
  • the type of security provided 
  • the value of the security in relation to the loan amount 
  • your previous credit history with other financial institutions 
  • your credit profile and personal profile

How long are the loan terms?

Our terms are flexible, ranging from 12 months to 60 months depending on the age and nature of the security you can provide us for the loan.

Is there a minimum loan amount?

Yes, $2,000 is our minimum loan amount.

Can I pay my loan off before the end of the term?

Yes, although early settlement fees may apply.

How do I repay my loan?

Repayments need to be made by direct debit from your nominated bank account. At any time you wish to make an additional payment on your loan, please do so at any BNZ branch or online using the account details below (please ensure you include your Oxford Finance Loan Number as the Reference):

Oxford Finance Limited
Bank of New Zealand

What is the security for my loan?

The security will usually be a motor vehicle, boat or a registered mortgage or an ‘agreement to mortgage’, supported by a caveat lodged over the title of your property if you own a house.  In some cases we will accept a guarantee from another person for business finance.

What is the minimum age?

The minimum age is 23 years old (unless accompanied by a parent co-borrower).

What is a guarantor?

In general, business loans will require a guarantor. The guarantor needs to be aware that they are jointly and severally liable and, in the case of a default on the loan, they can be called upon to repay the amount outstanding.


Do you finance vehicles or boats bought privately?


Can I get approval for a loan before I’ve found the vehicle or boat I want?

No problem, approval in principle can be given as long as the vehicle or boat that you do find fits the criteria for the loan.

How long will my pre-approval last?

A pre-approval remains current for 14 days.

Does my vehicle have to be insured?

Yes. It needs to be insured against theft and accident damage, and Oxford Finance needs to be noted on the policy. We can help you to arrange the insurance.

It is recommended that all vehicles have mechanical breakdown insurance.

What is the complaints process?

Our advisers will always do their very best to get things right and provide you with the service and support you expect from us.  However, sometimes things do go wrong, and if they do, please let us know as soon as you can.  Click here.

If we haven’t answered your question here, please just call us on 0800 88 44 66 or email us here and we’ll get back to you as soon as we can.

(Oxford Finance Terms and Conditions and lending criteria apply)

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