Our Services

No Deposit Needed
No Credit History Required
Same Day Finance Approval
Airport Pick-ups
FREE Loan Car

Vehicle finance can be obtained by New Immigrants who have just arrived in New Zealand with no local credit history.

What you need to qualify:


  • Full employment contract


  • Work/Resident visa


  • Proof of address


  • License (SA or NZ)



Vehicles Financed


Years in business




With so much change across the Financial Services sector in recent years, it is important to know that your finance providers operate within the latest legislative framework. Sterling @ Your Services Limited is listed on the Financial Service Providers  Register, and is a member of a Dispute Resolution Scheme (DRS).


FPS number: 520186


DRS work strictly within the confines of the Credit Contracts and Consumer Finance Act 2003 (CCCFA)


The CCCFA helps protect consumers when they are borrowing money. It helps ensure consumers can make informed choices, know what they’re agreeing to, and can keep track. of their debts.


The CCCFA covers a range of transactions where money is loaned for personal use, including consumer credit contracts, consumer leases and buy-back transactions.


A consumer credit contract is a contract where a borrower is given credit for personal use, such as through a mortgage, credit card, arranged overdraft, personal or cash loan, or pawnbroking pledge.


The CCCFA covers all other credit transactions, including business transactions, by protecting borrowers from oppressive behavior by lenders.


Please see the following attachments outlining important regulations of our industry and products that we offer:


Code of Responsible Borrowing


Responsible Lending Guidelines


Anti-Money Laundering, Counter & Financing of Terrorism Act 2009


FSF’s Responsible Credit-Related Insurance Code  no. 6603