You are not filling in a form. You are ringing me.
I am Ron Gibson, an independent broker in Hamilton. I will work out what you can spend, help you find the right thing to spend it on, and go and get you the sharpest rate I can. One application, one credit check, and my mobile number rather than a queue.
- One credit check, not one per lender
- Dealer, private sale, auction or Trade Me
- An answer usually back in one business day
- I will come to you if that suits you better
Work out the weekly figure
Nothing is sent to me and nothing here is an offer.
Indicative repayment
$0 per week
At an indicative 0% per year. Depending on your credit file and the asset, the rate could sit anywhere between 0% and 0%, which would make the payment $0 to $0.
- Amount financed
- $0
- Number of payments
- 0
- Total interest
- $0
Includes an indicative $395 establishment fee. This is a guide only, not an offer of finance, and it does not take your circumstances into account. Lending criteria, terms and fees apply.
Ron Gibson. Every call, every application and every awkward question comes to me. I am based in Hamilton, I have driven as far as Ruatoria to sit down with somebody, and if a kitchen table suits you better than a phone call, say so and I will drive.
What I do differently
Two things most brokers will not do for you
One of them takes my time. The other one costs me money. I have put them at the top of the page because that is exactly what makes them worth something to you.
I will help you find it, not just pay for it
Most brokers start once you have found it and send you back out on your own until you do. If you know the budget but not the vehicle, tell me what it is for and I will go looking with you: what holds its value, what is worth avoiding, and whether the one you have found is priced right.
A low rate is worth more to me than a big margin
A broker who puts you on a higher rate makes more today and never hears from you again. I would rather have the rate that keeps you ringing me for the next vehicle, and the one after that. It is a longer game and it is the reason to use a broker at all.
How I am paid is set out in full on the how it works page. A broker who is vague about that is telling you something.
Why use a broker
The bank gives you one answer. I go and get several.
Applying to lenders yourself leaves a credit enquiry behind each time, and a file full of enquiries reads badly to everyone who looks at it afterwards. One application through me avoids that.
One application, a panel of lenders
I put the same application in front of the lenders most likely to say yes, so you are not reapplying and collecting another credit enquiry each time.
Know your number before you shop
Find out what you can spend before you walk onto a yard or bid at auction. A pre approval turns you into a cash buyer, which is where the real negotiating happens.
Dealer, private sale or auction
I finance vehicles and machinery bought anywhere: a dealership, a private seller, Trade Me or an auction. The seller does not have to be on anybody's approved list.
What I finance
If it has a serial number, I can probably finance it
Eight things I arrange most often. If what you are buying is not on this list, ring me anyway, it is usually a yes.
Vehicle finance
Cars, utes and vans, bought from a dealer, a private seller or an auction.
See how it works
Motorcycle finance
Road, adventure, farm and off road bikes, new or used.
See how it works
Caravans and RV finance
Caravans, motorhomes, fifth wheelers and horse floats.
See how it works
Truck and transport finance
Light trucks through to heavy transport, trailers and curtainsiders.
See how it works
Agricultural machinery finance
Tractors, implements, irrigation and effluent systems.
See how it works
Equipment and machinery finance
Plant, tools and fit out, financed without touching your overdraft.
See how it works
Business finance
Asset finance, working capital and refinancing for New Zealand businesses.
See how it works
How it works
Four steps, and I do most of them
From first contact to money reaching the seller is usually under a week.
- 01
Tell me what you are after
Three minutes online, or one phone call. I need enough to know which lenders are worth approaching.
- 02
I shop it around
One application, put in front of the lenders most likely to approve it. One credit check, not six.
- 03
You pick the offer
I bring the offers back side by side and explain the differences, including the ones in the fine print.
- 04
Money to the seller
Sign electronically and the lender pays the seller directly, usually within one to three business days.
Repayment calculator
What would it cost a week?
Move the numbers around until it feels right, then send me the ones that do. I will tell you honestly whether a lender will agree with you.
What would the repayments be?
Move the numbers around and see what changes. Nothing here is sent to me, and none of it is an offer of finance.
Indicative repayment
$0 per week
At an indicative 0% per year. Depending on your credit file and the asset, the rate could sit anywhere between 0% and 0%, which would make the payment $0 to $0.
- Amount financed
- $0
- Number of payments
- 0
- Total interest
- $0
Includes an indicative $395 establishment fee. This is a guide only, not an offer of finance, and it does not take your circumstances into account. Lending criteria, terms and fees apply.
Questions
The ones I get asked most
There are more on the FAQ page, grouped by topic.
What does a finance broker actually do?
We take one application and put it in front of the lenders most likely to approve it, then bring the offers back to you side by side. You are comparing real numbers from lenders who have already looked at your situation, rather than advertised rates that may have nothing to do with what you would be offered.
What does it cost me?
Nothing to talk to us, and nothing to get a pre approval. On most consumer lending the lender pays us a commission when a loan settles, and we tell you what that is before you sign anything. If a fee ever applies to your situation you will know the amount before we lodge anything, never afterwards.
Do you only arrange finance in the Waikato?
No. We are based in Hamilton and the service is nationwide. Almost everything is handled by phone, email and electronic signature, so where you are makes no practical difference to how quickly your application moves.
Find out what you can spend
It takes a few minutes to apply and it does not commit you to anything. Ring me or start online, whichever suits you better.