How it works
Same car. Better loan. Handled.
One two-minute application, one soft check to start, and your file goes to a panel of approved NZ lenders. The strongest offer comes back to you, and if it doesn't beat your current loan, you keep your loan and walk away having lost nothing.
Free to check · No obligation
From submit to settled
What happens after you press go.
You apply.
Your current loan's basics (roughly what's owing, the repayment, who it's with) plus your licence and income details. The initial assessment is a soft check, so nothing lands on your credit file for looking.
The panel answers.
Your file goes to a panel of approved NZ lenders. Most decisions come back within a day. Any offer they make comes back to you.
You see the whole picture.
The offer, side by side with staying put, including any break fee on your current loan, so the comparison is honest. If the offer doesn't beat your loan, keeping it is a good outcome and everything stops there.
The switch happens without you.
Accept, and the new lender pays out your old loan directly. The security registration on the PPSR swaps over. You never chase your old lender, and there's no gap where the car isn't covered.
Same car. New loan.
Your old contract is closed and your repayments now go to the new lender, on the new terms. That's the entire event: nothing about the car, its insurance, or your day changes.
The short list
Things you'll never have to do.
The point of the service is the handling. Everything on the right is our problem, not yours.
- Ring your current lender to close the loan
- Fill in a separate application per lender
- Decode the PPSR paperwork
- Pay us anything (before, during, or after)
- Switch, if the offer doesn't beat what you have
Straight answer
How we're paid.
The lender pays us a referral fee when your new loan settles. That fee doesn't change the rate you're offered. It comes from the lender's side of the table. There's no broker fee, no charge at signing, and no cost for checking.
If you don't switch, nobody pays anything. The full detail is on the disclosure page.
Before you ask
Who actually lends the money? +
A panel of approved NZ lenders. Leverage is the referral service in front of them. We're not a lender, and every lending decision, rate, and term is set by the lender who assesses your file.
What if the offer isn't better than my loan? +
Then you keep your loan. There's no fee, no obligation, and no mark on your credit file for having looked. A refinance only makes sense when the numbers say so (including any break fee), and sometimes they don't.
Can I choose a shorter term instead of lower repayments? +
Yes. Tell us what you're solving for (smaller repayments, a sooner finish line, or just a cheaper total), and the file goes to the panel with that in mind. The trade-offs are laid out with the offer before you decide anything.
Where can I read the fine print? +
The disclosure page covers who we are and how we're paid, and the guides explain every mechanism (break fees, credit checks, the PPSR) in plain English.
Two minutes to find out. Zero cost to look.
Free to check · No obligation