Finance Blog

Spring clean your car loan

Posted on 15 November 2019

Spring is in the air, and if the urge to spring clean is taking hold of you, you can’t go wrong with a close look at your finances. This can be an excellent time of year to take stock of your position and set plans in place for where you…

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How we are using technology to approve more loans faster

Posted on 31 October 2019

Back in 1994 when I financed my first car we didn’t have the modern advancements considered the norm today. I was a little younger and I had been driving various different death traps for far too long. I decided to buy a brand new Citroen AX (I know); we completed…

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Buying from a CFS affiliated dealer

Posted on 19 September 2019

Look for a CFS affiliated dealer to get the best deal on your next car and finance So you have your car loan approved with CFS, now all you need are your new wheels! Our team of CFS Relationship Managers work hard to ensure we work with quality used car dealerships who…

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New year, new car loan

Posted on 03 January 2018

Another year has rolled around and it may be no surprise that you’re in need of a new car. Perhaps your old car has finally given up the ghost or maybe it’s just time for a new model. Whatever the reason, now’s a good time to find a car loan…

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Pay off your car loan faster

Posted on 02 February 2017

If you have recently bought a car, then there’s a good chance you have a car loan. Car loans are an important tool to give us the funds we need to get on the road. But it’s all too easy to set up your car loan and then forget about…

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How to get the best deal when trading-in your car

Posted on 25 August 2016

Before you buy a new car, it’s worth finding out how much you could get for your old one. Trading-in your car as part of your purchase should reduce the amount that you need to pay. Getting value for money from a trade-in requires some preparation so that the dealer can…

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Going once, twice, three times…sold: Buying a car at auction

Posted on 29 June 2016

Buying a car at auction can appear to be a fast track to a great deal. But as with everything in life, it’s important to remember that if something looks too good to be true it’s usually because it is. Buying at auction requires an eyes wide open approach: here are…

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Buying a second hand car? Top tips to avoid buying a lemon

Posted on 23 June 2016

If you’re planning on buying a second hand car, you definitely want to avoid purchasing a lemon. Not sure what a ‘lemon’ is? Think of it as a car that doesn’t live up to the value you think it represents. Instead, once purchased, it reveals a trail of costly defects,…

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How to refinance your car loan and save

Posted on 07 June 2016

If you’ve had your car loan for a while or your circumstances have changed, it may be worth considering your refinance options. Refinancing your car loan could reduce your interest costs and save you a considerable amount of money. Take some time to review your situation and you can work…

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What’s best for you? Car lease or car loan?

Posted on 12 May 2016

Is it better to lease or buy your next car? We take a look at how both types of finance work and explore the benefits and negatives of both. If you’ve decided you need a new car, you will need to work out how you’re going to finance your purchase. You…

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The wheels of the future

Posted on 04 March 2016

There was a time when buying a new model of car meant accessing a bigger engine; admiring a more curvaceous chassis; or simply enjoying the novelty of your relocated sunglasses holder.  In the technological age that we live in, buying a new car has become much more of an adventure. So…

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4 practical essentials when buying a family car

Posted on 23 February 2016

If you’re looking to buy a family car, there’s an almost overwhelming range of options. That’s why it’s essential to prioritise the features that are important to you. Then you can review the makes and models available in the market and work out what will best suit your needs. To…

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How to get the best out of your vehicle trade in

Posted on 15 February 2016

Changing your vehicle and considering trading it in? Trading can be a good option, but before you finalize the deal, take a look at these key things to know when trading in your car. What you get for your current car can make a big difference to what you’ll end…

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Buying a car privately? 10 tips to make it work for you

Posted on 12 February 2016

If you’re in the market for a used car, then you may end up buying a car from a private seller. Buying a car privately is a very different process to making the same purchase with a dealer, so it’s a good idea to do some research and planning up…

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Car Finance 101

Posted on 11 January 2016

Car finance 101Shopping for a new set of wheels is – as it should be – exciting. The prospect of getting something new (even if it’s used) gets the endorphins going. But perhaps because of those good-old endorphins, it’s also a time when you need to give the detail a…

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Smart Car Selling Tips

Posted on 09 December 2015

Whatever type of car you have, sale time is your opportunity to realise as much value from your current set of wheels as possible. It’s more than likely that you’ll be moving on to a new car, so what you get from the sale of your current car will play…

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Handy Car Loan Guide for the Self-Employed

Posted on 26 November 2015

Remember when you first thought about striking out on your own?  The freedom of self-employment like a tantalising vision glinting in the sunlight… Too much? Well, whatever your reasons were for leaving employment to build something yourself, a common experience for the self-employed, is the realisation that it is more…

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The lowdown on deposits and car loans

Posted on 05 November 2015

Any new vehicle purchase – whether it’s pre-loved or fresh off the showroom floor – brings with it additional cost. Getting new wheels means looking at the budget and doing some number crunching to work out what’s affordable. If you’re arranging finance for your new vehicle, one of the first things…

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Car Smart Buyer's Guide

Posted on 08 September 2015

Buying a car is a big decision and making sure you get the right car is important. The Car Smart Buyer's Guide combines our knowledge and experience in an easy to follow format, designed to help take the stress out of buying your next car. This free eBook will tell you…

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Get An Affordable Car Loan Fast

Posted on 08 July 2015

Need a car?Get an affordable car loan fast at CFS Finance. Here’s how it works; Step 1 Visit Onlinecarloans.co.nz and fill out our easy application form Step 2Our friendly team will get in touch to talk about your options and help decide the best package for you. Step 3Buy the car of your dreams! Our loans…

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Car finance basics

Posted on 08 July 2015

What is car finance? Car finance is a way of paying your new car off in easy regular payments. it is typically arrange with a car finance company and the cost of using finance is the interest that you are charged. Car finance in new Zealand is goverende by some very…

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Applying online - What you need to know

Posted on 08 July 2015

Thinking of applying online for a car loan? Here’s a few helpful things you need to know. Applications can be made online by clicking here to fill out our online car finance application form or by calling 0800 88 2000 If you decide to fill out our online car finance application form you will…

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Car Finance Interest Rates

Posted on 22 April 2015

When you start looking around the internet for car finance you can expect to see a wide range of car loan interest rates advertised. Making sense of them can sometimes be tricky when at the end of the day all we are really interested in is 'what rate will I…

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Self-Employed Car Finance

Posted on 21 April 2015

A common question we are asked is, “I’m self-employed - will I still qualify for car finance?” And the short answer is YES! At Community Financial Services, all of our decisions are made by real people – getting approved for a car loan when you’re self-employed is easier than you think. Being self-employed…

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Bad Credit Car Finance

Posted on 20 April 2015

Nowadays you see a lot of people advertising Bad Credit Car Loans or Poor Credit Car Finance, but what does it really mean? And who will qualify for this? Most of the time, when a finance company talks about ‘bad credit’ they are referring to a low credit score or poor credit report, but all…

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Picking the right car for you

Posted on 20 April 2015

With so many different makes and models available to buy today, how do you know which vehicle is right for you? Do you get a Toyota or a Nissan? NZ new or an import? Where do you start? Well, the best place is usually parked just outside - your current car. You need to ask yourself, "Why…

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No Deposit Car Finance

Posted on 08 April 2015

One common question that we get asked is “what sort of deposit do I need to finance a car?” and the answer is: well, that depends. To help make things a little clearer, here’s what it can depend on. When you apply for car finance as the finance company we are making…

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The Basics of Car Finance

Posted on 08 April 2015

Car finance is an alternative to saving. Choosing finance lets you get your car now and pay it off in easy weekly payments. What is pre-approval?As part of your decision-making process you will need to determine your budget.Getting pre-approved does not commit you to buying from that person or dealer or taking…

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Learn about car insurance

Posted on 08 April 2015

You may have already heard of comprehensive car insurance, but how much do you really know?Here is a quick and easy summary of some of the key points.While I have tried to use every day English, some terms were hard to avoid so I have included a brief explanation for…

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