Vehicle finance
Buying a car, ute, bike or boat?
A loan secured against a vehicle. Compare the total you'll repay, including fees, rather than the weekly payment, and check the cost of paying it off early.
Who it suits
- Buying new or used from a dealer
- Private sales
- Boats, caravans and motorbikes
What lenders look at
- Your income and existing commitments
- The vehicle's age and value
- Your credit file
What to prepare
Tick them off as you go.
Questions to ask
- What is the total cost including all fees?
- Is there an early repayment fee?
- Is any insurance being added to the loan?
Everyone's situation is different. Lenders weigh things differently and small details change the answer. An adviser can tell you where you stand with vehicle finance and what to do next.
Talk to an adviserRun the numbers
Calculators for this
Vehicle and equipment finance
Repayments with an optional balloon payment at the end.
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See where your money goes each month and what's left.
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Guides
Your credit file
New Zealand has three credit reporting agencies: Centrix, Equifax and illion. Each holds a file on most adults, showing credit applications,…
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Consumer lending in New Zealand is governed by the Credit Contracts and Consumer Finance Act (CCCFA). The detailed affordability rules that required…
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Every situation is different
Tell us what you're planning and an adviser will work through your options with you.