Yes, you can; but only if you haven’t used the loan to buy a car yet. If you’ve already used your car loan to buy a car, you can try other options such as Harmoney’s debt consolidation option, instead of having to refinance your car loan.
Harmoney give you an alternative to buying a car that doesn’t involve a long-term commitment. If you’re only going to use the car only for a short period of time, you can opt for a car lease instead. At the end of the lease period, the car will simply be returned to the dealership.
Credit Sense is used by New Zealand lenders in viewing and assessing Kiwi transaction histories, in order to get financial information. Harmoney use Credit Sense when you apply for a car loan. If you don’t want them to use Credit Sense, you’ll need to provide them with three recent bank statements as proof of income instead, together with proof of identity.