VWF Finance · New Zealand
Finance that moves you forward.
We help everyday Kiwis, immigrant workers, first-time borrowers, tradespeople and business owners access vehicle finance, personal loans, business lending, asset finance, insurance and warranty support — with clear guidance, not confusing jargon.
What we offer
One relationship. Every finance solution you need.
From your first car to your next business asset, VWF Finance brings vehicle, personal, business and asset finance — plus insurance and warranty — together under one trusted team.
Who we help
Real lending for real situations.
Banks work from a checklist. We work from your circumstances.
- Immigrant workers who need reliable transport but have limited NZ credit history
- First-time borrowers who want the process explained in plain English
- Customers who've been declined elsewhere and don't realise other options exist
- Workers needing support with bond, licensing or driving lessons, not just a vehicle
- Tradespeople and employers who need business or asset finance, fast
- Small business owners who want one finance relationship.
"Not every borrower fits inside the bank's box. That's where VWF Finance helps."— The VWF Finance team
Our network
Our finance & insurance partners
With access to a wide network of trusted finance and insurance partners, we help match you with the right solution — not just the first option.
Who we are
Automotive and finance expertise, in one team.
VWF Finance is backed by Vehicle Wholesale Finance and the Keppler family's 30+ years of automotive experience through VTI Vehicle Trader Investments.
Shane Rose
Director, VWF
Brokerage and Floorplan Manager
Qualified accountant with 20+ years in public practice, across manufacturing, commodity trading, property and retail. Leads VWF Finance and client relationships.
Sean Keppler
Finance Manager, VWF Limited
Vehicle Supply, Brokerage & Operations
30+ years of family automotive expertise. Grew up in the business, completed a mechanical apprenticeship, and manages vehicles throughout New Zealand
Aaron Keppler
Finance Manager, VWF Limited
Finance Manager & Operations
Bachelor of Management Studies, University of Waikato Hillary Scholar. Leads commercial strategy, referral partnerships and deal flow for the brokerage.
Why choose VWF Finance
Built around how people actually borrow.
We work with multiple lenders
Access to a wide panel of finance partners means more ways to get you approved.
Fast, professional support
Quick turnarounds so you can get mobile and get on with life sooner.
Simple finance guidance
We explain rates, terms and repayments in plain English — no jargon, no pressure.
Vehicle, personal, business & asset finance
One team, every finance option, so you're never bounced between providers.
Automotive expertise you can trust
Backed by 30+ years of hands-on automotive experience through the Keppler family.
Support for first-time borrowers & immigrant workers
We're built for people who don't fit the standard lending box.
Application Process
Our streamlined application process is stress-free.
Submit An Application
Get Pre-Approved
Complete Our Paperless Loan Documents
VWF Finance · Vehicle Finance
Vehicle Finance
Access to 800+ fully serviced, compliant vehicles across New Zealand, with our competitive special finance rates. Fast approvals, real guidance.
Ready To Apply?
Here's a few things you can do with Vehicle Finance.
New Vehicle Finance
Driving away in something brand new? We'll structure finance around the exact vehicle you want, with competitive rates and a fast turnaround.
Used & Pre-Loved Vehicle Finance
Access our network of 800+ fully serviced, compliant used vehicles across New Zealand — all backed by our competitive special finance rates.
Refinance An Existing Loan
Already have a vehicle loan? We'll see if we can get you a better rate or more manageable repayments.
What is it?
Vehicle Finance with VWF.
We understand a vehicle loan can mean different things to different people — a first car to get to work, a family vehicle, or an upgrade for a growing trade business.
At VWF Finance, we specialise in arranging vehicle finance for a wide range of situations, with access to 800+ fully serviced, compliant vehicles across New Zealand and our competitive special finance rates.
With access to multiple trusted finance partners — including Avanti Finance, UDC, Finance Now, Alphera and Gem by Latitude — we have the flexibility to tailor a solution that suits your circumstances, including for immigrant workers and first-time borrowers who may not fit a bank's standard criteria.
Our team manages the process from enquiry through to approval, keeping things simple and clearly explained at every step — no confusing jargon, no pressure.
Have Questions Specific To Your Situation?
Contact UsGot Something Specific In Mind?
Together, we'll make it happen.
Vehicle Finance Example
Your repayments depend on the vehicle price, loan term and the finance rate offered by the lender. Get in touch with our team for a personalised quote based on your circumstances.
- Vehicle finance rates vary depending on the vehicle, lender and your individual circumstances.
- Loan approval is subject to lender criteria, affordability checks, and responsible lending guidelines.
- Additional fees may apply, including establishment and lender fees, which will be outlined in your loan agreement before you accept.
This example is illustrative only and does not constitute an offer or approval. The lender will confirm final terms upon assessment. Figures are indicative only — full loan terms are provided in your finance agreement.
VWF Finance · Personal Loans
Personal Loans
Whatever it's for — bond, household items, licensing fees, driving lessons or an unexpected cost — we offer personal loan support to help you settle and move forward.
Ready To Apply?
Here's a few things you can do with Personal Loans.
Bond & Rental Finance
Moving into a new rental? We can help you fund your bond so you're not stuck waiting to move in.
Household & Essentials Finance
Cover household items, appliances or other essentials you need to get settled, without draining your savings.
Licensing & Driving Lessons Finance
Support for licensing fees and driving lessons, so you can get mobile and keep working.
What is it?
Personal Loans with VWF.
We understand that a personal loan can mean many different things to different people — bond for a new rental, a driving licence, or the everyday costs of settling into a new home or country.
At VWF Finance, we specialise in arranging personal finance for a wide range of situations, particularly for immigrant workers and first-time borrowers who may not have an established New Zealand credit history.
With access to multiple trusted funders, we have the flexibility to tailor a solution that suits your budget and circumstances — without the confusing finance language or pressure you might expect elsewhere.
Our team manages the process from enquiry through to approval, keeping things simple and clearly explained every step of the way.
Have Questions Specific To Your Situation?
Contact UsGot Something Specific In Mind?
Together, we'll make it happen.
Personal Loan Example
Your repayments depend on the loan amount, term and the rate offered by the lender. Get in touch with our team for a personalised quote based on your circumstances.
- Personal loan rates vary depending on the lender, loan amount and your individual circumstances.
- Loan approval is subject to lender criteria, affordability checks, and responsible lending guidelines.
- Additional fees may apply, including establishment fees, which will be outlined in your loan agreement before you accept.
This example is illustrative only and does not constitute an offer or approval. The lender will confirm final terms upon assessment. Figures are indicative only — full loan terms are provided in your finance agreement.
VWF Finance · Business Finance
Business Finance
Business lending and asset finance for employers, tradespeople and small business owners — one relationship, with access to multiple finance products.
Ready To Apply?
Here's a few things you can do with Business Finance.
Asset Finance
Finance for vehicles, tools, equipment or machinery your business needs to keep moving.
Business Finance
Whether it's one work vehicle or a small fleet, we'll help structure finance that fits your business.
Working Capital Finance
Access funds for day-to-day business needs, from cash flow gaps to unexpected costs.
What is it?
Business Finance with VWF.
We understand that employers, tradespeople and small business owners need more than just a single finance product — you need a team that understands how your business actually operates.
At VWF Finance, we arrange business lending and asset finance for a wide range of situations, from a single work vehicle to equipment, tools and working capital.
With access to multiple trusted finance partners, we bring one relationship with access to multiple finance products, so you're never bounced between providers for different parts of your business.
Our team manages the process from enquiry through to approval, with clear, straightforward guidance — no confusing finance language, no pressure.
Have Questions Specific To Your Situation?
Contact UsGot Something Specific In Mind?
Together, we'll make it happen.
Business Asset Finance Example
If you were to finance $20,000 of business assets over 36 months at a fixed rate of 9.95% p.a., your repayments would be approximately $644.87 per month, with a total repayment amount of around $23,215.48 including interest.
- Business and asset finance rates vary depending on the asset, lender, loan term and your business's individual circumstances.
- Loan approval is subject to lender criteria, affordability checks, and responsible lending guidelines.
- Additional fees may apply, including establishment fees, which will be outlined in your loan agreement before you accept.
This example is illustrative only and does not constitute an offer or approval. The lender will confirm final terms upon assessment. Figures are indicative only — full loan terms are provided in your finance agreement.
VWF Finance · Insurances
Insurances
Same-day insurance, flexible warranty and mechanical breakdown cover, comprehensive vehicle insurance with unlimited glass protection, a free annual WOF/COF voucher and 24-hour roadside assistance.
Ready To Apply?
Here's a few ways to protect your vehicle.
Peace of Mind Cover
Flexible protection options to help shield you from the cost of unexpected mechanical issues.
Mechanical Breakdown Insurance
MBI cover protecting you against the cost of major mechanical failures.
Comprehensive Vehicle Insurance
CVI cover with unlimited glass for all windows, plus 24-hour roadside assistance and a free annual WOF/COF voucher.
What is it?
Insurances with VWF.
A vehicle is only as reliable as the cover behind it. That's why VWF Finance pairs every finance solution with genuine insurance and warranty support.
We offer same-day Janssen Insurance, Mechanical Breakdown Insurance (MBI) from $1,495 for 3 years — so you're covered against the unexpected, not just on the day you drive away (subject to vehicle purchased this may vary).
Our Comprehensive Vehicle Insurance (CVI) includes unlimited glass cover for all windows, plus a free annual WOF/COF voucher and 24-hour roadside assistance as standard.
As with all our finance and protection products, we explain your options in plain English, so you know exactly what you're covered for and why it matters.
Extra Protection To Consider
Round out your cover.
Have Questions Specific To Your Situation?
Contact UsWhat's Covered
Our insurance and warranty options are designed to give you peace of mind after you drive away, not just on the day of purchase.
- Warranty from $1,195 — cover against unexpected mechanical faults.
- Mechanical Breakdown Insurance (MBI) from $1,495 — protection against major mechanical failure costs.
- Comprehensive Vehicle Insurance (CVI) — with unlimited glass cover for all windows.
- Free annual WOF/COF voucher and 24-hour roadside assistance, included as standard.
Cover, pricing and terms are subject to insurer and warranty provider criteria and may vary based on vehicle age, condition and usage. Full terms are provided in your policy or warranty documents before you accept.
VWF Finance · GAP Insurance
GAP — General Asset Protection
Optional cover that pays the shortfall between your insurance payout and your remaining loan balance if your vehicle is written off or stolen.
Ready To Apply?
Here's how GAP protects you.
Covers the Shortfall
If your car is written off, your motor insurer pays only its current market value — GAP covers the difference still owed on your loan.
Depreciation Protection
New vehicles lose value fastest in the first few years — GAP protects you against that early depreciation shortfall.
Peace of Mind
Especially valuable with a small deposit, a longer-term loan, or a vehicle that depreciates quickly.
What is it?
GAP Insurance with VWF.
Gap insurance (Guaranteed Asset Protection) is optional cover that pays the difference between your motor insurance payout and your remaining loan balance if your car is totalled or stolen. It covers the depreciation shortfall that occurs when you owe more than the vehicle is worth.
How it works: if your vehicle is a total loss, your regular insurance pays only its current market value. If your loan balance is higher than that value, you still owe the lender the remainder. GAP insurance steps in to pay that remaining debt directly, so you're not left paying for a vehicle you no longer have.
When you might need it: if you've put down a small deposit or no trade-in, you're on a longer-term loan of 60 months or more, or you're driving a brand-new vehicle that loses value quickly in its first few years.
As with all our finance and protection products, we explain your options in plain English, so you know exactly what you're covered for and why it matters.
Have Questions Specific To Your Situation?
Contact UsGot Something Specific In Mind?
Together, we'll make it happen.
GAP Insurance Example
If your vehicle is written off, GAP cover pays the difference between what your motor insurer pays out and what you still owe on your loan — so a shortfall doesn't become a debt.
- Cover is generally available for both new and used vehicles, subject to insurer criteria.
- Loan approval and GAP eligibility are subject to lender and insurer criteria, including vehicle age and loan term.
- Additional terms and exclusions may apply, which will be outlined in your policy documents before you accept.
Cover, pricing and terms are subject to insurer criteria and may vary based on vehicle age, loan term and your individual circumstances. Full terms are provided in your policy documents before you accept.
VWF Finance · PPI
PPI — Payment Protection Insurance
Optional cover that keeps your loan repayments going if you're unable to work due to redundancy, sickness, injury, or a terminal diagnosis.
Ready To Apply?
Here's what PPI covers.
Job Loss Cover
Protection if you lose your job through redundancy or another involuntary event, through no fault of your own.
Sickness & Injury Cover
Support if a medical condition, accident or temporary disability stops you from working.
Life & Terminal Illness Cover
Pays off the remaining balance of your vehicle loan in full, giving your family one less thing to worry about.
What is it?
PPI with VWF.
Payment Protection Insurance (PPI) is an optional policy sold alongside your vehicle finance. If you're unable to work due to an unexpected event, PPI helps cover your loan repayments so you're not left carrying that burden alone.
What it covers: involuntary job loss such as redundancy, sickness or injury that stops you from working, and death or terminal illness — in which case the remaining loan balance may be paid off in full.
Key features: benefits are typically paid directly to the finance company rather than to you, helping prevent loan defaults and protect your credit score if you lose income. The cost depends on your loan size, age, occupation and income, and is often added directly into the amount financed.
As with all our finance and protection products, we explain your options in plain English, so you know exactly what you're covered for and why it matters.
Have Questions Specific To Your Situation?
Contact UsGot Something Specific In Mind?
Together, we'll make it happen.
PPI Example
If you're unable to work due to redundancy, illness or injury, PPI can step in to cover your loan repayments directly with your lender, helping protect your credit score while you get back on your feet.
- Benefits are generally paid directly to the finance company, not to you.
- Cover is subject to insurer criteria, including your age, occupation and health at the time of application.
- Additional terms, waiting periods and exclusions may apply, which will be outlined in your policy documents before you accept.
Cover, pricing and terms are subject to insurer criteria and may vary based on your age, occupation, income and loan size. Full terms are provided in your policy documents before you accept.
VWF Finance · About Us
Automotive and finance expertise, in one team.
VWF Finance is backed by Vehicle Wholesale Finance and the Keppler family's 30+ years of automotive experience through VTI Vehicle Trader Investments.
Our Story
Built on decades of automotive know-how.
VWF Finance was founded to bridge the gap between everyday Kiwis and the finance they need — whether that's a first car, a family upgrade, bond and moving costs, or the equipment a growing business depends on.
We're backed by Vehicle Wholesale Finance and the Keppler family, who bring 30+ years of hands-on automotive experience through VTI Vehicle Trader Investments. That means we're not just brokers reading off a script — we understand vehicles, dealerships and the finance industry from the inside.
Our goal is simple: make finance clear, fair and achievable, without the jargon or the pressure. We work with a panel of trusted lenders — including Avanti Finance, UDC, Finance Now, Alphera and Gem by Latitude — so we can tailor a solution to your circumstances, including for first-time borrowers and immigrant workers who may not fit a bank's standard criteria.
Meet the Team
The people behind VWF Finance.
A small team with big industry experience — across accounting, automotive and commercial strategy.
Shane Rose
Director, VWF
Brokerage and Floorplan Manager
Qualified accountant with 20+ years in public practice, across manufacturing, commodity trading, property and retail. Leads VWF Finance and client relationships.
Sean Keppler
Finance Manager, VWF Limited
Vehicle Supply, Brokerage & Operations
30+ years of family automotive expertise. Grew up in the business, completed a mechanical apprenticeship, and manages vehicles throughout New Zealand
Aaron Keppler
Finance Manager, VWF Limited
Finance Manager & Operations
Bachelor of Management Studies, University of Waikato Hillary Scholar. Leads commercial strategy, referral partnerships and deal flow for the brokerage.
Ready to talk finance?
Contact UsExplore Our Services
Finance for wherever you're headed.
Vehicle Finance
800+ fully serviced, compliant vehicles across New Zealand, with our competitive special finance rates.
Learn moreGet started
Ready to get started?
Tell us what you need and our team will guide you through the next step.