About Limitless Finance

Who We Are

Limitless Finance is an independent finance brokerage based in New Zealand. We work with borrowers from Kaitāia to Invercargill, helping them compare loan options across a panel of bank and non-bank lenders.

We are not a lender. We don't have shareholders pushing one product. Our role is to understand your situation, identify which lenders on our panel may be suitable, and present the options clearly so you can decide.

What We Do

We provide regulated financial advice on consumer credit contracts covering residential mortgages, personal loans and asset financing.

• Personal loans, vehicle finance, debt consolidation, and business finance
• Specialist categories — bad credit, no deposit, asset, marine, caravan, motorbike, EV, renovations
• Pre-approval before you shop, and direct settlement on the day
• Plain-English explanations of every fee, rate, term, and total cost

How We Work

Our entire process is online and paperless. You apply through our secure form, a broker reviews your application, and we approach lenders whose criteria match your situation. We aim to identify a suitable lender before any formal credit check is run on your file.

Settlement is handled directly between the lender, the seller (where applicable), and you. Most applications can move from enquiry to settlement within a few business days — though timeframes depend on lender and supporting documents.

Our Promise

• Independent. No single-lender bias. We compare across the panel.
• Transparent. We explain commissions, fees, and total cost up front.
• Responsible. We only present options that appear suitable and affordable.
• Available. Phone, email, WhatsApp — across business hours.

Our Team

Our brokers are New Zealand-based, FSPR-registered, and trained in responsible lending under the CCCFA. Each application is assigned to a broker who manages it from enquiry through to settlement — you'll always know who you're dealing with.

Regulation & Disclosure

Limitless Finance is registered on the Financial Service Providers Register (FSPR) and operates as a finance broker / credit intermediary under the Credit Contracts and Consumer Finance Act 2003 (CCCFA), the Responsible Lending Code, the Fair Trading Act 1986 and the Privacy Act 2020. We are a member of an approved dispute resolution scheme (FSCL). Limitless Financial Services Limited holds a current Class 2 Financial Advice Provider (FAP) licence. We provide regulated financial advice on consumer credit contracts covering residential mortgages, personal loans and asset financing. Our full disclosure information — including how we are paid, our dispute resolution scheme and the limits of our service — is available on our Disclosure page.