The secrets to getting the best finance deal available is to present yourself and your application in the most professional manner to a wide number of lenders. By this I mean the following: 1 Ensure all short term debt / credit cards are tidied up prior to application. 2 Ensure all security is in your name and free of any charges. 3 Make sure you have current evidence of your income. 4 Have all other relevant info with you for your appointment. By utilising the internet you can short list a number of potential lenders who have low fees and interest rates. make a professional approach with all your info in hand. Remember if you are not happy with the deal, dont sign!! If based in New Zealand check out www.loansmart.co.nz