Capital at the speed of opportunity.
Vault Finance is New Zealand's discreet partner for ambitious borrowers. 75+ lender partners, same-day decisions, and senior advisors who treat your timeline as non-negotiable.
- 75+
- Lender partners
- 1hr
- Decisions from
- $250M
- Funded for clients
- 98%
- Approval rate
Live this week
$8.4M deployed
Avg. settlement 36 hours
75+ NZ & global lender partners
Strong relationships. Direct underwriter lines. Faster yes.The Vault edge
Speed. Precision. Every time.
We replace paperwork with precision. Direct lines into 75+ lender credit teams mean your file is read by a decision-maker — often the same day it's submitted.
1-hour decisions
Get a decision in as little as one hour. Our streamlined process gives you fast, reliable results — with settlement in as little as 24.
75+ lender panel
Bank, non-bank, specialist, private. We pick the perfect lender for your file — first time.
Senior-only handling
Your file never touches a junior. Senior brokers manage every conversation, every escalation.
Direct underwriter access
Established credit relationships mean we negotiate exceptions others can't.
Sharper structures
We compare structures across the entire panel — not just rate, but term, balloon, and fees.
Available when needed
Auctions, settlements, EOFY pressure — we move at the pace your opportunity demands.
Funded yesterday
$142,500 · Range Rover
Approved in 3h 12m
Asset finance specialists
If it moves, earns, or appreciates — we'll finance it.
Asset lending is our heartland. From prestige vehicles to commercial fleets, plant equipment to aircraft — we structure facilities that protect cash flow and respect the asset.
Prestige & passenger vehicles
Commercial fleets & utes
Heavy transport & trailers
Plant, machinery & equipment
Marine, yachts & jet-ski
Aviation & helicopters
Agricultural & tractors
Caravans & motorhomes
From enquiry to settlement
The Vault timeline. Compressed.
First call
Goal, asset, timeline. 15 minutes.
Lender match
Best-fit lenders chosen from our panel of 75+.
Pre-approval
Indicative terms confirmed. You can offer with confidence.
Settlement
Funds released. Keys, contracts or capital — in hand.
Trusted by ambitious Kiwis
“Vault placed our $1.8M plant facility with a non-bank in 36 hours after two majors said no. The relationship was the difference. Genuinely exceptional.”
James R. — Tauranga · Civil contracting, $1.8M asset facility
Why choose Vault
Your trusted partner for fast car loans, flexible terms, and affordable rates. Start your journey today with confidence.
Ready when you are.
Two minutes to apply. One hour to a decision. One senior advisor from start to settlement.