Disclosure Statement

It is important that you read this document.

This general information will help you make a more informed decision when deciding to use finance. 


Car and Personal Loans Ltd t/a CAPLOANS is a Registered Financial Services Provider (FSP) under the provisions of the Financial Services Provider (Registration and Disputes Resolution) Act of 2008 and the Credit Contract and Consumer Finance Amendments Regulations 2015 (CCCFA).


Financial Advise Provider Transitional License:  transitional license to act as a provider of a financial advice service granted on 27 March 2020.


Services we provide

We provide the following services:

  1. Give class advise and access to credit contracts from various finance providers.

  2. Give class advise and offer to sell credit related insurance products from various insurance providers.

  3. Give class advise and offer to sell motor vehicle insurance and warranty products from various insurance providers.

  4. Car and Personal Loans Ltd is only limited to giving advise on Category 2 products and is regulated by the Financial Markets Authority.


Finance Fees

As a finance broker our remuneration is derived from finance providers for introducing clients to their products and services.  Our broker fee may be included in the total amount financed, along with other fees charged by the loan provider.

Dispute Resolution

If you have any concern about our service, please immediately bring it to our attention and it will be handled through our internal complaints process.  Failing which, you may contact our external disputes resolution scheme: 


Financial Services Complaints Limited.

Phone:  0800 347257

Website:  www.fscl.org.nz

Business Address:  Level 4, 101 Lambton Quay, Wellington 6011


Service provider registration name:  Car and Personal Loans Ltd.

Registration number:  FSP585308            


Postal Address:​   Our postal address is at 33 St Lukes Road, Mt. Albert, Auckland 1025, New Zealand.