Here’s where you’ll find all our most up to date finance information. It’s niggly but the stuff on this page is really important. If you’re thinking about financing your next car, have a read of the responsible borrowing code – it covers some of the best practices so you can make the best decision!

Here's where you can read important documentation

Feel free to download these documents for a read, or if you’d like to save them for a later date. Remember, you can always give us a call on 0800 462 277 if there’s anything you want to talk through!

Unregulated Financial Advice

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about a Go Car Finance loan are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


MoneyTalks is a helpline that provides free, confidential budgeting and financial capability advice and is operated by the National Building Financial Capability Trust (FinCap). They can be contacted as follows:

PO Box 25335, Featherston Street, Wellington 6011

0800 345 123 (Text 4029)

  • Schedule of fees

    This document outlines the fees we charge in relation to a Secured Credit Agreement.
  • Product & rates

    This document contains our most up-to-date list of optional products, and what they cost.
  • Terms & Conditions

    This document outlines our latest Terms & Conditions. These are updated from time to time, so if you already have a contract with us, it might reference an earlier version. If you’re not sure, get in touch!
  • Secured Credit Contract

    This is our current Secured Credit Contract, the document you sign when you take out a loan with us.
  • Responsible Lending Code

    This document outlines the steps we take as a Responsible Lender. We don’t want to put anyone in a tricky financial situation, and sticking to this code helps us avoid doing so.
  • Responsible Borrowing Code

    This is the other side of the Responsible Lending Code - the code you should stick to when borrowing money. We recommend reading it before getting a loan of any kind.
  • Hardship

    As a responsible lender, we can help in times of unforeseen hardship. If circumstances out of your control mean that you can’t make your regular payments, get in touch and we’ll see what we can do. Remember, communication is key – make sure to keep us in the loop and up to date, so we can help before things get out of hand.