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Unforeseen Hardship


If you are unable reasonably to keep up your payments on your loan because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to ask us to vary the terms of your credit agreement with us (we call this a Hardship Variation). To apply for a Hardship Variation, you need to:

(a) make an application in writing; and
(b) explain your reasons for the Hardship Variation; and
(c) request one of the following:

  • an extension of the term of your credit agreement – this means we would reduce the amount due on each payment date and increase the number of payments; or
  • a postponement of certain payments; or
  • both of the above – that is, postpone some payments and pay smaller amounts over a longer time period; and

(d) give the application to us – feel free to phone us to discuss on 0508 588 522 but we will ask you to follow up in writing by letter or email to us at .

Do this as soon as possible. If you delay for too long in making an application, or do not meet the Hardship Variation criteria, we may not have to consider your request. If we agree to your requests, we may ask you to enter into a new agreement or we may change the terms of your existing credit agreement with us to help you meet your obligations. If we agree to a Hardship Variation, you will have to pay a “Refinance Fee” (as set out in the fee schedule).

Need a car loan? We can help you, anywhere in New Zealand!

  • Buy your car from any local dealer
  • Get your finance first
  • No deposit required (subject to approval)

At Stadium Finance, we specialise in all types of car loans and vehicle finance in NZ. And we are definitely not your average finance company.

We treat you as an individual. We are on your side to help you get the best car loan deal possible. We look at your individual circumstances and we make our decisions based on YOU – not purely on someone else’s rules or just ticking boxes.

We have a dedicated team of car loan experts waiting to help with your enquiry

It’s not necessarily a problem if you don’t have a deposit to put down. Just talk to us and we’ll do everything we can to get you and your new set of wheels together. So get in touch, let’s talk about sorting the car loan or car finance that’s right for you.

We offer car loans for all types of people and all types of vehicle

Whether you’re a young person looking to buy your first car, a family looking for a bigger, more modern vehicle, or an older couple looking to downsize your car – we can help you!

We’ve provided finance for 1000s of vehicles, for small run arounds for commuting to work or the shops, to mid-sized family cars, people carriers and station wagons for chauffeuring the kids to their various activities, to premium vehicles at the higher end of the market – we can finance them all!

Apply online in under 15 minutes - get approval in as little as two hours

Whether you're looking at a car from a dealer or private seller, we can help. You can apply online in under 15 minutes or call and speak directly to one of our car loan specialists.

We can help you choose the car loan to fit your needs and we can usually let you know within 2 business hours if you have been approved.