Intro
If your main source of income comes from ACC or a benefit, you might assume that getting car finance is out of reach. The truth is, supportive lenders are making it possible for more people in this situation to own a reliable car.

Description (longer post)
Finance providers in New Zealand recognise that mobility is vital — whether it’s to attend medical appointments, care for family, or simply stay independent. For people on ACC or beneficiary income, tailored car finance options exist to make car ownership accessible.

Approval often depends on showing a consistent income stream, even if it comes from non-traditional sources. Lenders may also look at your credit history, but they focus more on your ability to meet repayments today rather than past financial struggles. In some cases, a guarantor or co-signer may strengthen your application and improve your chances of approval.

The repayment plans are designed with affordability in mind, ensuring that you won’t feel burdened by unmanageable costs. Access to dealership partners also ensures you’ll be driving away in a vehicle that is safe, reliable, and suited to your lifestyle.

For many on ACC or beneficiary income, this type of car finance is more than just financial support — it’s about restoring independence, building confidence, and improving quality of life. Limitless Finance specialises in helping people from all walks of life, ensuring fair opportunities to own a car.
Need a car but relying on ACC or beneficiary income? Apply now for supportive car finance designed with your needs in mind.