Help
Can I apply with my partner?
Yes. Joint applications are common and lenders handle them as standard. Two incomes on one application can make the affordability assessment more comfortable, which sometimes opens options a single income wouldn't.
By Leverage Finance · Updated 17 July 2026
Both applicants are fully responsible for the whole loan (that's what joint borrowing means) and both credit files are part of the assessment. If the existing loan is in one name and you'd like the new one in two (or the reverse), say so in the application; it's a routine restructure for a lender.
Same car. See what a better loan looks like.
Two minutes, one soft check to start, no obligation. Your file goes to a panel of NZ lenders and the strongest offer comes back.
Free to check