A repair bill that's too big to cover right now, spread across regular payments instead. We pay the mechanic so your car can get fixed.
Sometimes a repair bill is too big to pay for in one go, and too urgent to put off. Transmission trouble, a failed head gasket, a new clutch, a major service that uncovered more than expected. The car needs to go back on the road, and the money isn't sitting in the account.
Movogo Finance offers personal loans secured on your vehicle, and Fund Repairs is one of the ways people use them. You get a quote from your chosen mechanic, apply with Movogo, and if we can help, we pay the mechanic directly once the work is done. You pay us back across regular payments timed to your payday. The car stays on the road, the bill is handled, and the cost is spread.
Fund Repairs is most useful when your repair is bigger than the buffer you've built up in Servicing & Repairs (if you've got that), or when you don't have a buffer to draw on. For smaller jobs, your Servicing & Repairs voucher is usually the better first port of call.
Movogo Finance Limited is a New Zealand-based lender. We're a registered Financial Service Provider and a member of Financial Services Complaints Limited (FSCL) for dispute resolution.
We lend responsibly. Every loan goes through a credit assessment and an affordability check against the Responsible Lending Code. If funding the repair would leave you worse off than another option, we'll tell you.
Movogo Finance Limited. NZCN 9357507. NZBN 9429052988677. FSP1011510. Member of FSCL for dispute resolution.
Most mechanical and safety-related repair work on your vehicle. Engine, transmission, suspension, brakes, electrical, WOF-failing items, tyres, significant servicing jobs. If it's work your mechanic would invoice you for, it's generally fundable. Modifications, upgrades, and cosmetic work (paint, alloys, stereo) aren't typically covered.
We prefer mechanics and workshops we know and trust, particularly Auto Super Shoppes in our network. If you'd like to use a different garage, we'll assess each situation case by case. Either way, we need a written quote for the work. For ongoing servicing and a built-in buffer for smaller repairs, check out Servicing & Repairs (a membership product, not a loan).
It happens. Once work starts, mechanics sometimes find more that needs doing. Talk to us as soon as you know. Depending on how much higher, we may be able to top up the loan (subject to a re-assessment), or you can cover the difference directly with the garage.
We pay the mechanic directly once the work is complete, based on their invoice (up to the loan amount you've been approved for). You don't have to front up for the bill and wait to be reimbursed.
Most applications are assessed within a business day. Some need additional information or a manual review, which can take a bit longer. We'll keep you updated throughout.
Your rate is determined by your credit assessment and the specifics of your loan (amount, term, vehicle). We don't publish a single rate because it would be misleading. Once we've assessed your application, we'll confirm your rate in your loan offer.
Establishment, monthly account, and early repayment fees may apply. See the finance information page for our latest list of fees. All fees are itemised in your loan disclosure document before you sign.
Late payment fees or default interest may apply, and missed payments can affect your credit record. If you think you'll struggle with a payment, get in touch as soon as you can. We'll work with you to get back on track, and the sooner we know, the more options we have to help. Financial hardship protections are available under NZ law and we'll walk through them with you if they apply.
Yes. If your payday changes or you'd like a different cadence (weekly, fortnightly, or monthly), let us know and we'll shift your repayment schedule. A variation fee may apply. See the finance information page for the full list of fees.
The platform that makes car ownership easy and affordable.
Contact
PO Box 90277
Victoria St West
Auckland, 1142
8am– 5:30pm weekdays
(09) 913 8560
Movogo Finance Limited. New Zealand Company Number 9357507. NZBN 9429052988677. FSP1011510. Member of Financial Services Complaints Limited (FSCL) for dispute resolution. All estimates shown on this site are indicative and are not an offer of credit or insurance. Any loan is subject to credit approval, responsible lending assessment, and standard terms and conditions. Waivers are loan features provided in-house by Movogo Finance Limited and are governed by your loan agreement. Insurance-related products are underwritten by Provident Insurance and are subject to the relevant policy document. Please read all documents carefully before signing.
