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Responsible Lending and Borrowing

2CheapCars honors the Responsible Lending Code that taking effect on 6 June 2015. 2Cheapcars is not a lender, however we honor all the obligation to lend responsibly and are regulated by the Credit Contracts and Consumer Finance Act and are guided by the Code of Responsible Lending.

2Cheapcars also advise customer on reading through the voluntary code of Responsibility Borrowing issue by New Zealand Federation of Family Budgeting in association with the Financial Services Federation sets out the expectation of responsible borrowers to ensure borrowers are not borrowing beyond their means, help avoid stress, penalties interest and fees, repossession, enforcement recovery cost and help them make an informed decisions.

Responsible credit lending code
The code of responsible borrowing
Responsible lending guidelines
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2 Cheap Cars sell 1000+ cars a month. Because of this the suppliers that we use in all aspects of our business really look after us. When it comes to finance, our excellent relationships mean we can get your next car financed quick & easy, with very competitive rates.

No matter whether you’re working nine to five, self-employed, or brand new to NZ and on a working visa, or have an international license or a restricted or learner licence - we understand your circumstances and are here to help. We can help with all types of credit, from good to bad and everything in between,

  • Use your trade as a deposit
  • Great range of interest rates and finance terms
  • Repayments to suit your budget
  • Full disclosure around how repayments are calculated
  • Online application and approval process

If you know what car you’re after, we can approve you online otherwise simply fill out the online form below and we can look to have you approved first, and then you can take your time through our 12 dealerships finding a car that’s right for you.

Please make sure you fill out as much as possible, as it allows us to get you the best deal, and please remember to include the best time to call you if we need any further information. 2 Cheap Cars are committed to responsible lending.

Got a question? Call us on 0800 223 370