Let’s find the right finance option for you
One Bridge Finance helps everyday Kiwis with vehicle finance, personal loans, and renovation funding. Based in Whangarei, one person guides you through the entire process.
Vehicle Finance
Cars, utes, 4x4s, vans, SUVs, motorbikes, boats, or jet skis — we work with a network of dealers and lenders across New Zealand to help arrange suitable vehicle finance options. We can also assist in connecting you with reputable vehicle suppliers if needed.
- Rates from 9.95%*
- Terms from 48 to 60 months
- Tailored finance solutions for every budget
- Optional extras may be available, including mechanical warranties, GAP cover, payment protection insurance, and vehicle insurance
To apply you generally need to:
Please note: Meeting these requirements does not guarantee approval. Final approval is subject to lender assessment and affordability checks.
*Rates, terms, and loan structure are subject to lender approval and affordability assessment.
Personal Loan
Whether you’re covering unexpected expenses, consolidating debt, funding a major purchase, or planning something special, we help arrange personal loan options designed to offer flexibility without unnecessary complexity.
- Rates from 11.95%*
- Secured or unsecured options available
- Loan amounts from $10,000 to $200,000
- Flexible terms from 12 to 60 months
- Optional Payment Protection Insurance
We work with a panel of lenders to help match you with a solution that fits your circumstances, while keeping the process clear and straightforward.
To apply you generally need to:
Please note: Meeting these requirements does not guarantee approval. Final approval is subject to lender assessment and affordability checks.
*Rates, terms, and loan structure are subject to lender approval and affordability assessment.
Renovation Loan
Whether you’re refreshing a single space or planning a larger home upgrade, we help arrange renovation loan options to support your home improvement plans, with clear guidance throughout the process.
- Rates from 11.95%*
- Secured or unsecured options available
- Loan amounts from $10,000
- Flexible terms from 12 to 84 months
- Optional Payment Protection Insurance
We can also assist by connecting you with trusted contractors and supporting quotes, helping keep your renovation plans moving smoothly.
To apply you generally need to:
Please note: Meeting these requirements does not guarantee approval. Final approval is subject to lender assessment and affordability checks.
*Rates, terms, and loan structure are subject to lender approval and affordability assessment.
Important Information
*Rates, fees, and terms are subject to lender approval and affordability assessment. We are required by law to ensure any loan we arrange is suitable and affordable for your circumstances. Full disclosure of all terms, fees, and total repayment amounts will be provided before you enter into any agreement.
Responsible Lending: Any loan arranged through One Bridge Finance is subject to the requirements of the Credit Contracts and Consumer Finance Act (CCCFA). We are required to ensure any loan we arrange is suitable and affordable for your circumstances. Learn more about our responsible lending practices →
Lending Partners: We work with multiple lenders to find you the best rates and terms. Each lender sets their own interest rates, fees, and lending criteria. View our full disclosure statement →