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About FME Finance

Vehicle loans, personal loans and mechanical warranties, arranged in plain English for working New Zealanders.

Apply now Call 0800 995 014

The short answer

Who is Finance Made Easy?

FME Finance is Finance Made Easy, the trading name of TrueNorth Financial Services Limited, a New Zealand finance broker led by Managing Director Brenden Fouse. We arrange vehicle loans and personal loans with lenders, and mechanical warranties through a range of warranty providers, for working New Zealanders. We are registered on the Financial Service Providers Register.

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In Brenden’s words

Why I started Finance Made Easy.

After spending over a decade working in customer service and dealership finance, I noticed a frustrating trend: the traditional dealership model is built to maximise its own profits, not to look out for the customer. I started Finance Made Easy to flip that script and actually put the buyer first.

Stepping away from the dealership world wasn’t just about building a fairer finance business, it was about family. As a dad to two amazing girls, I wanted to step away from the gruelling dealership hours so I could put them first. When I’m not finding the right loan for my clients, you can usually find me out camping with the family or listening to or playing good music.

My goal is simple: to treat you like a person, not a profit margin, and get you behind the wheel without the stress.

Applications are not an offer of finance. All lending is subject to lender criteria.

What we do

What does FME Finance do?

FME Finance is a finance broker, not a lender. We arrange vehicle loans and personal loans with lenders, who assess each application and set the interest rate and fees in their loan documents. We also arrange mechanical warranties through a range of warranty providers, with or without a loan.

Vehicle loans

Finance for the vehicle you have in mind, arranged with a lender.

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Personal loans

For consolidating debts or a major purchase, arranged with a lender.

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Mechanical warranties

Arranged through a range of warranty providers, and available whether or not you finance your vehicle with us.

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Finance Made Easy is run by Managing Director Brenden Fouse. Talk to us and you get plain English, a straight answer on what the lender will need, and a clear picture of what happens next.

Meet the Managing Director

Brenden Fouse is the Managing Director of TrueNorth Financial Services Limited (New Zealand company 9365900), which trades as Finance Made Easy and services customers across New Zealand.

Brenden Fouse, Managing Director of Finance Made Easy
Managing Director Brenden Fouse
Apply now 0800 995 014

Our values

Three values behind every loan we arrange.

Our mission is to turn borrowing, for a vehicle or anything else, from a stressful, complex transaction into a simple step for everyday New Zealanders. These three values shape how we work with every customer, whatever the loan.

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Hands resting on a kitchen table with loan paperwork, a pen, a laptop and a mug of coffee

Simplicity and transparency

No jargon. We lay out your options in plain English, from the interest rate and term to what a mechanical warranty protects, so you decide with the full picture.

A salesperson handing a car key to a delighted customer beside a hatchback

We handle the heavy lifting

From finding the right vehicle and arranging a fair trade-in valuation to structuring the finance and doing the paperwork, we look after the whole journey so you can enjoy the drive.

A relaxed broker on the phone at a bright desk with a laptop and notebook

Fierce customer advocacy

We take the time to understand your story as well as your application, and give the lender the honest context behind it. Your long-term financial health comes first.

Applying

What happens when you apply with FME?

Apply online, or call us if you would rather talk. Every step is subject to lender criteria.

  1. 01

    Apply online

    Start your application online. Prefer to talk? Call 0800 995 014.

  2. 02

    Initial decision

    We aim to give you an initial decision quickly, often within an hour during business hours, with a clear list of what the lender needs to go further.

  3. 03

    Verification

    The lender checks your identity, address and income, then makes its decision. You read the loan documents before you sign.

  4. 04

    Funding

    Once the loan is approved and signed, funding usually follows within 24 to 48 hours.

Choosing a finance company

What is the best finance company in New Zealand?

There is no single best finance company in New Zealand: the right fit depends on what you are borrowing for and your circumstances. What you can check is whether a provider is registered, accountable and clear about costs.

  1. 01 It is listed on the Financial Service Providers Register. Search its FSP number.
  2. 02 It belongs to an approved dispute resolution scheme, so you have somewhere independent to go.
  3. 03 The interest rate, fees and total amount repayable are set out in writing before you sign.
  4. 04 It tells you plainly whether you meet basic criteria before you spend time on an application.

FME Finance is FSP1011270 and a member of Financial Services Complaints Ltd (FSCL), membership 9517. If you have a question about us or an application, contact Brenden.

Questions

About FME, answered.

Anything else, call 0800 995 014 or email info@fmefinance.co.nz.

It depends on the car, the loan and your circumstances. A dealer can arrange finance on the vehicles it sells, a bank lends to its own customers, and a finance broker such as FME arranges finance with a lender. Whichever route you take, compare the interest rate, fees and total amount repayable in the loan documents. More on vehicle loans.

Yes. FME Finance and Finance Made Easy are the same business: the trading name of TrueNorth Financial Services Limited, New Zealand company 9365900, led by Managing Director Brenden Fouse.

We are paid a commission by the lender when your loan is funded. Any fee that applies to your loan is set out in writing before you sign, so you see the full cost first.

Search FSP1011270 on the Financial Service Providers Register, which the Companies Office runs. FME is also a member of Financial Services Complaints Ltd (FSCL), an independent dispute resolution scheme, membership 9517.

Tell us first, on 0800 995 014 or at info@fmefinance.co.nz, and we will work with you to put it right. If it is not resolved, you can take it to Financial Services Complaints Ltd (FSCL), where our membership number is 9517.

Applications are not an offer of finance. All lending is subject to lender criteria, affordability, verification and responsible lending checks. Calculator results are estimates only. This page is general information, not financial advice.

Finance Made Easy is a trading name of TrueNorth Financial Services Limited, FSP1011270, and a member of Financial Services Complaints Ltd (FSCL), membership 9517.

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