Electric vehicles (EVs) are revolutionising the automotive industry, offering a cleaner and more sustainable alternative to traditional petrol and diesel-powered cars. In New Zealand, the popularity of EVs is on the rise, driven by environmental consciousness, government incentives, and the rising cost of fuel. If you’re considering switching to an electric vehicle, here’s some help to make your transition smoother. In this guide you’ll find the reasons why it could make sense to switch to an EV, and how to secure car loans for electric vehicles. Reasons to consider an EV Environmental benefi ..read more

It can be challenging getting personal loans as a visa holder in New Zealand. Whether it’s because you’re unfamiliar with New Zealand’s credit system, you have no credit history, you’re unsure of which lenders to apply with, or the validity of your visa is holding you back, here are some tips that could set you up for success if you’re struggling to get personal loans as a visa holder in New Zealand. Getting personal loans as a visa holder Depending on the type of visa you hold, you may be eligible for personal loans with some lenders, even if you aren’t able to access all types of lending. Be ..read more

The festive season is fast approaching, and the spending at this time of year can be a real drain on the budget. From shopping for gifts, booking a holiday, to entertaining generously, it’s easy to overspend and end up with a mountain of debt to start the new year. As you prepare to celebrate the festive season, avoid a budget blow-out with these financial tips. 1. Make a list The festive season can be an expensive time of the year. It’s easy to get caught up in the magic of the festive season and end up spending far more than you can afford. From buying gifts to entertaining friends to gettin ..read more

Having your car finance refused can put the brakes on your car ownership dreams. But there are steps you can take to rectify the problem. Whatever’s holding back your car finance application, from bad credit or affordability, to age of the borrower or the type of car, take a look at some of the most common reasons why car finance is refused and what to do about it. Credit score Your credit file is an important part of any credit application that you make. It contains a history of your financial transactions – including all credit applications that have been approved or declined in the past – a ..read more

The countdown to the holiday season has begun. When it comes to preparing for the upcoming holiday season, a little bit of planning goes a long way. And being careful not to overspend helps avoid financial stress. Start the new year without any regrets of how much you’ve spent during the holiday season, by following these 5 financial tips for the upcoming holiday season. 1. Set a holiday budget Managing your spending – and controlling how much you spend – is the best way to keep yourself out of debt during the holiday season. And one way to do that is to set a holiday budget that limits what y ..read more

If you’re on the hunt for a new or used car, you’re probably looking to get the best car deal possible to maximise your budget and make your dollars go further. The same applies to car finance. Finding the best car finance deal could mean saving hundreds or even thousands of dollars in interest charges and fees. Luckily, getting a better interest rate on a car loan isn’t impossible. It starts with 3 simple steps: review your credit report, check your options, and choose the right car finance. 1. Review your credit report Your credit report holds all of your financial history and plays an impor ..read more

Borrowing money and taking on debt is for many people the only way to afford to buy those important big-ticket items – like a house or a car. But before you take on any debt, it’s a good idea to assess whether it’s good debt or bad debt. Not sure of the difference? A basic distinction is the effect it has on your financial situation. Good debt has the potential to increase your net worth, or enhance your lifestyle in an important way. Bad debt – on the other hand – is generally used to pay for discretionary expenses and often comes with high interest charges. To help you make good choices when ..read more

For a lot of people, buying a car – whether new or used – is a big investment, probably second only to buying a home. And many people may need car finance to pay for their car. Because car finance can prove costly if not set up and managed correctly, it’s important you understand just what you’re committing to. So before you start the car buying process, and sign a car finance agreement, here are 5 things to consider when it comes to car finance. 1. Interest rate and extra fees Interest rates on car finance can vary widely, but generally depend on factors like the amount borrowed, the repaymen ..read more

Sometimes things happen and you need cash in a hurry. Like urgent repairs to your car when it breaks down. An emergency medical treatment. Or a home renovation project that simply can’t wait. Personal loans are ideal for any of these situations. They can be used for just about any purpose. What’s more, depending on your needs and financial situation, personal loans through Max Loans can be in the form of either secured loans or unsecured loans, meaning we will have an option that suits you whether you provide collateral for the loan or not. And personal loans are generally less expensive than ..read more

Keeping up with regular vehicle maintenance could help prevent costly repairs later on and even extend the lifespan of your car. The fact is, regular servicing and maintenance takes less time and costs less than a major repair. If one part fails, it could affect how the whole car runs. For newer models, regular servicing is often a prerequisite when it comes to maintaining your warranty. And if you’re thinking about selling your car, a consistent service history is a definite selling point and could mean a better sale price for you. Take a look at our three top reasons for maintaining your car ..read more