For people in NZ who know someone looking for a car
“Where should I get a car?”
When a friend asks,
just send a link.
Your friend applies through your own link. If their loan is paid out, Bee Finance pays you a commission. No selling, no paperwork, and nothing to pay.
Free to join. No selling. No paperwork. Stop whenever you like.
What does an agent actually do?
In one sentence: you tell people that Bee Finance exists. That is all. You do not sell anything. You do not fill in forms for anyone.
You get your own link
When you join, you get a link that is yours alone. Send it to friends and people you know.
Anyone who applies through it is your referral
When someone applies through your link, we record them as your referral automatically. You never have to tell us.
After the loan is paid out, you get paid
Once your referral has received their loan money, we pay a commission into your bank account.
Bee Finance checks every application in the normal way. Not every application is approved. If a loan is declined, no commission is paid.
Three steps
You only do
the first one.
-
1 You — about 2 minutes
Send your link
Copy your link from your dashboard. Send it in a message, or post it on social media. We give you the words to send.
-
2 Us — everything else
Bee Finance takes it from there
Your friend applies themselves. Our team talks to them, checks the application and arranges the loan. There is nothing for you to do here.
-
3 You — get paid
Receive your commission
After your friend has received their loan money, we pay your commission into your bank account.
We cannot promise the result of any application. Not every application is approved, so not every referral becomes a commission.
All you need is your name, your email address and a password.
Most of the work is ours.
You send one message. We take it from there.
You
About 2 min
Send your link.
Bee Finance
Everything else
- Answer their questions
- Help them choose a car
- Take the application
- Check the details
- Talk to the lenders
- Arrange the loan
- Pay you
- Time to join
- About 5 min
- Your part
- About 2 min
- Referral remembered for
- 90 days
- Link expiry
- None
- Support
- 7 days a week
- 10am – 10pm
- Cost to join
- Free
No selling
You do not have to convince anyone or chase anyone. You mention that Bee Finance exists, and your friend decides.
A few minutes a day is plenty
No fixed hours and no targets. One post on social media, or one message to a friend who needs a car, and you have started.
One loan, one commission
You do not need hundreds of referrals. Each loan that is paid out earns one set commission.
Made for busy people
No spare time?
That is fine.
Most of our agents have a full-time job, study, or a family to look after. That is fine. This is not a second job. It is one message, sent before your coffee goes cold.
- Post your link once on Facebook, Instagram or TikTok.
- Send it to the friend who said they were looking for a car.
- Paste it in the group chat when someone asks.
We write the message for you (example)
Copy it from your dashboard, paste it, send it.
So it is never awkward
Your link is useful
to your friend too.
You are not sending an advert for a finance company. You are sending a site that helps them find a car. So “have a look if you like” is all you need to say.
Cars from many dealers, on one site
Search the stock that dealers around New Zealand have shared with us, all in one place. Each listing is there with the dealer’s permission. No need to visit dealer sites one by one.
A weekly payment estimate, on the spot
On any car’s page, choose the visa type, deposit and term to see an estimated weekly payment. Your friend can check it fits their budget before they apply.
Real people to ask
Stuck on a step? Our team answers the phone in English, and can help with applications in Chinese.
Estimates are a guide only. The actual interest rate and repayments depend on the credit assessment and individual terms.
Take a look at the site
Once you send your link,
it keeps working.
Almost nobody buys a car the day they hear about it. If your friend takes their time, your referral does not disappear.
-
1
Day 1 — you send your link
Your friend opens it. From that moment they are recorded as your referral.
-
2
Any day in the next 90 days — your friend applies
Day 2, day 40 or day 89: it still counts as yours. They apply on the same phone or computer they opened your link on.
-
3
After the loan is paid out — you get paid
Not when they apply, and not when the loan is approved. We pay your commission after the money has actually been paid out.
Your link never changes and never expires. Use the same one for anyone, for years.
Who this suits
No finance or car
knowledge needed.
If people around you sometimes ask “hey, where should I go?”, you are exactly who we are looking for.
- You know people who are looking for a car.
- You are part of a group: a church, a club, a language school, a workplace, a student community.
- You post on social media, even now and then.
- You are new to New Zealand, and you know others who are new too.
- You already tell friends about shops and people you trust, for free.
Keep your job, your studies and your life as they are. Being an agent adds to them. It does not replace anything.
Tell people. Do not sell.
What you never have to do
Being an agent should never put you in a difficult position. These things are our job, and they stay our job.
Never handle anyone's money
You never take a deposit, a fee or a payment from anybody.
Never collect ID or bank details
Your friend gives their own documents to us, directly. Never to you.
Never give money advice
Questions about interest, repayments or what someone can afford go to our team. You just pass them on.
Never promise an approval
Nobody knows the answer before Bee Finance checks. Saying a loan is certain is the one thing an agent must never do.
Never pay to join
Joining is free and stays free. We will never ask you to pay us, to buy a kit, or to recruit other agents. Money only moves in one direction: from us to you.
Things we will not promise
We would rather tell you this now than have you find out later.
We cannot promise every referral will be approved.
Bee Finance checks every application in the normal way, and some are declined. That is out of your hands and out of ours.
This is not a fixed income.
We cannot tell you how much you will make. We do not know how many people you will refer. We do not know how their applications will go.
Payment is not instant.
A car loan takes time. We pay after your friend has received their loan money, and a person on our team sends each payment by hand.
We never ask for your bank details by email, text or phone.
You type them yourself on your dashboard when the time comes. If anyone asks you any other way, it is not us. Call 09 414 1172 or 0800 4 FINANCE.
Questions?
A real person answers.
Everything is written in simple English, and when you call, you get a person, not a menu.
A guide in simple English
Three short steps: join, share, get paid. Short sentences, and every finance word is explained.
Read the agent guideOne-minute videos
Each step has a short video showing the real screens. Watch instead of reading, if that is easier.
Real people on the phone
Our team answers in English, and can help with applications in Chinese. 7 days a week, 10am – 10pm.
Bee Finance helps people across New Zealand get a car loan. International students, work visa holders and people who have just arrived apply through our own team. www.beefinance.co.nz
Common questions
Does it cost money to join?
No. Joining is free, and it stays free. You never pay Bee Finance anything, and we never ask you to buy anything.
Do I need a licence or a business?
No. You are not giving financial advice and you are not arranging the loan. You are telling people about Bee Finance and sharing your link. Any question about money or lending goes to our team.
How much will I be paid?
You are paid a set commission for each loan that is paid out — one payment for each person who receives their loan money. We agree the amount with you when you join, and we tell only you. We pay it into your bank account by bank transfer.
How much time does it take?
A few minutes. Sending your link takes seconds. Many agents post it once on social media, or send it to a friend who has said they need a car. There are no fixed hours and no targets.
What if my friend does not apply straight away?
That is fine. When someone opens your link, we remember them for 90 days on that phone or computer. They can apply later and it still counts as your referral. Your link itself never stops working.
Will everyone I refer be approved?
No. Bee Finance checks every application in the normal way and not every application is approved. Please never tell anyone their loan will be approved — nobody knows before we check. Normal lending criteria, fees, terms & conditions apply.
Can I do this alongside my job or my studies?
Yes. Most of our agents do. There are no set hours, so it fits around whatever else you are doing. If your job or your visa has rules about extra income, please check them yourself first.
Can I stop whenever I want?
Yes. There is no contract and no minimum. If you share nothing for a year, nothing happens. Do you want to close your account? Please call us first. We do not pay commission after an account is closed. So it is worth waiting until any money owed to you has arrived.
Start by sending it to one person.
Join today, get your link, and send it to one person who is looking for a car. That is the whole first day.
Already an agent? Log in.
Want to know more first? Read the agent guide, or call 09 414 1172 or 0800 4 FINANCE.
Normal lending criteria, fees, terms & conditions apply. The information on this page is general in nature and does not take your personal circumstances into account. Bee Finance assesses every finance application case by case; applying does not guarantee that finance will be provided, and no commission is payable where finance does not go ahead. Commission is paid only after a referred customer has received their loan funds, and the amount is agreed individually with each agent. Bee Finance gives no guarantee of income, of referral volume or of application outcomes. Being a referral agent does not make you an employee or an agent for the purpose of giving financial advice. If you have questions about your own situation, please contact Bee Finance.