Finance 
Asset Finance Refinance · New Zealand
Check if you could save on your current asset finance in New Zealand.
Upload your existing contract and receive an instant refinance savings estimate — no obligation.
No credit check required · No obligation
How It Works
Three simple steps to your savings estimate
Upload Your Contract
Securely upload your current asset finance contract PDF. Or manually enter your details if you do not have a copy of your contract.
We Analyse Your Loan
Our state of the art AI system extracts your loan details in seconds.
See Your Potential Savings
Receive an instant side-by-side savings illustration and apply.
Why Use Our Calculator
Built for Kiwis with existing asset finance
- Consumer and business asset finance supported
- Secure, encrypted document upload
- No obligation — estimate only
- Instant results, no waiting
- Covers all major NZ asset lenders
Common Questions
Refinancing — what you need to know.
- Can I refinance my car or vehicle loan?
- Yes. Finance Worx can refinance car loans, ute and van finance, truck finance, motorbike loans, boat loans, caravan finance, and most other asset loans in New Zealand. If you have an existing asset finance contract, upload it and you will be able to see how much you could be paying.
- Are there break fees when refinancing?
- Some lenders charge early repayment or break fees when you pay out a loan early. There is a prescribed formula under legislation that all lenders must follow for consumer loans however sometimes these fees are removed. Business loans typically have different break fees and vary highly from lender to lender.
- How much could I save by refinancing?
- It depends on your current rate, remaining loan term, and the balance outstanding. Many New Zealanders are on rates that are higher than what's available today. Even a 1–2% reduction in rate can save hundreds or thousands of dollars over the remaining term. Use our free calculator to see an estimate of what you could be saving.
Ready to see if you could be saving?
Takes less than a minute. No credit check. No commitment.
Check for Free NowThis tool provides illustrations only and does not constitute financial advice. Finance Worx is not a registered financial adviser. All savings figures are estimates based on information provided and assumptions used at the time of calculation. Actual savings will depend on lender approval, credit assessment and final loan structure. Break fees may apply.