Finance & Insurance

We love to see Kiwis reach their goals and aspirations. Our companies offer financial services and products to help you along the way and protect your assets.

Finance Options

Finance Calculator

Can I afford it? Find out.

Simply select any car from our vehicle search then choose the finance product that best suits your needs. We've got options to suit every driver and you can adjust your payment plan until you're happy with your repayment estimate. You can opt to send this estimate through to our finance teams to get a formal quote to get you on the road.

Credit Agreement

Deposit & Monthly Payments & Ownership.

A Credit Agreement is one of the simplest and most popular ways for motorists to finance a new or used vehicle. Loan terms from 6 months to 5 years, fixed interest rate, no annual fees, secure the loan with your vehicle, no additional security required, reduce your monthly repayments by having a combination of structured mid-term balloon payments, balloon payment at the end or paying a deposit (for approved applicants).

Consumer Lease

Consumer Lease

Advance Rental, Monthly Payments, End of Term Options

This flexible leasing plan for consumers offers lower repayments compared to a traditional credit agreement. Lease terms from 6 months to 45 months, no annual fees, structure your lease by selecting a term and you agree a suitable residual value with us, tailor your monthly payments to suit your budget, payments are fixed and known in advance, you have firm control over your vehicle budget, residual value risk is carried by you. After the lease period is over, the vehicle is returned to us. You then have the option to take out a new lease and upgrade your vehicle to the latest model.

Business Lease

For GST registered businesses

This flexible leasing plan for business users offers potential tax benefits whilst improving cash flow. Lease terms from 6 months to 5 years, no annual fees, structure your lease by selecting a term and you agree on a suitable residual value with us, tailor your monthly payments to suit your budget, payments are fixed and known in advance, you have firm control over your vehicle budget, residual value risk is carried by you.

Operating Lease

An Operating Lease can best be described as a long-term rental arrangement based on a fixed term and kilometre allowance. Maintained & Non-maintained Operating Lease options, Fixed Term & Maximum kilometre allowance, All servicing is conducted by professionally trained technicians using genuine parts, Option to treat off Balance Sheet (Business Operating Lease only). The Fully Maintained option makes forward planning a lot easier for you, as the monthly rentals include scheduled servicing, annual registrations, warrants of fitness, with options to include replacement tyres and puncture repairs. After the lease period is over, the vehicle is returned to us, you have the option to take outa new lease and upgrade your vehicle to the latest model

Insurance Options

Comprehensive Motor Vehicle Insurance

In partnership with Provident Insurance, we offer a product called Luxury Motor Vehicle Insurance which has been developed specifically to protect the vehicles we sell. Luxury Motor Vehicle insurance provides distinctive levels of cover other insurance providers cannot offer. The product offers superior levels of cover and service to complement the investment you have made in your new vehicle. What a lot of our clients like is that claims are administered through us at the dealership so no more dealing with insurance company call centres.

Parts & Service Preview

Mechanical Breakdown Insurance

Again provided through our friends at Provident Insurance. Mechanical cover can be offered on most vehicles we sell or service. If you have come out of your new car warranty and wish for comfort in the knowledge that you are covered please contact one of our business managers for warranty options.

Guaranteed Asset Protection (GAP) &

Credit Contract Indemnity Insurance (CCI)

We offer the following insurance products which are designed to safeguard you against the unforeseeable instances where you have a total loss or your income-earning ability is compromised. For more information please refer to the Dealership Business Manager.

FAQ's

Q. Why would I finance or lease my vehicle when I have the funds available to purchase outright?

A. Whether we like it or not, vehicles depreciate. Why would you invest your hard earned capital in one lump sum to purchase an item that reduces in value over time. Retain your capital and invest in something that will generate future wealth. “Pay as you go” a fixed monthly amount to run your vehicle, out of cash flow as opposed to cash reserves. Clients like to have their vehicle financed outside their bank so as to keep the ability to borrow in the future available.

Q. What rate is charged?

A. Rate depends largely on the nature of the prospective loan, term, structure and the credit profile of the client. Rest assured, the final rate will be very competitive.

Q. Aren’t the costs associated with financing a car high?

A. No they aren’t. Remember, the vehicle is the only security required so you can’t compare mortgage funding with vehicle finance. Rates are very competitive, there are no ongoing fees to be paid and you can settle a loan at any stage (Most times without penalty) so it makes it very easy to upgrade your vehicle whenever suits. Changing your car is just an adjustment to the monthly repayment – no capital needs to change hands.

Q. Is it difficult and time-consuming to arrange?

A. Not at all. The application is a simple one-page form which once complete is returned with proof of earnings and an approval is given normally within the hour. Final loan documentation is signed when you take delivery of your new vehicle.

Q. Can I pay the loan off early?

A. Yes, you can. If you finance personally you are cover by the CCFA which means there is no penalty to settle early (a $35.00 admin fee applies). For a Business loan the Rule of 78 applies which means you will get a rebate of the outstanding charges if you wish to settle early. This varies between 75-80% depending on the finance company used.

Q. Can I trade my car if I already owe money on it?

A. Absolutely. We will get a settlement figure on your current car and work out a swap of finance to the next. We can normally get settlement figures from most finance companies. This is very common and painless. Remember, once you finance your car you are not locked in and you have the ability to change when your circumstances allow.

Rates & Fees*

Up to date Rates and fees for our Credit Agreement and Lease products are subject to change and available at request.
Contact our dealerships for more information.
*Rates and Fees are in New Zealand Dollars and subject to change at any time.

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