Guaranteed Future Value
Hire Purchase
Finance for your business
Quick & easy car finance
You can finance your next car with us. You can get pre-approval before you shop for your car or we’ll sort your finance with you when we’ve helped you find your perfect match.
If you’re running your own small business, we know it can be tricky getting finance, especially if you’re just starting out. We’ll work with you to help you make it happen. For bigger businesses with fleets, our Fleet Specialist can also help you with lease options for any commercial vehicles.
No deposit necessary
You may not need a deposit if you buy a car we already have. If you want to order something special, add accessories, or pre-order an upcoming release, you may need to pay a deposit. Paying a bigger deposit will lower your repayments. You can trade-in your existing car(s) as a deposit.
Fixed weekly payments
You can choose weekly, fortnightly or monthly payments to make it easy to budget and line up your payments with your income. If you pay more frequently, it will lower the interest you pay during your car loan.
Competitive rates
We work with UDC and Marac to give you the best available interest rates. You’ll save thousands having a separate car loan instead of adding it to your home loan – the interest rate might look lower but you’ll pay more over the term of your home loan.
Flexible options
There’s a range of affordable, flexible options. Our finance experts can tailor it to suit you. We’ll help you understand the options and find the right one to get you in your next car.
Easy application
You can sort your finance with us in person at Railway Avenue, Lower Hutt or talk to one of our finance experts on the phone, online or by email. We’ll walk you through it and make it as quick and easy as possible for you.
Calculate repayments
Use this repayment calculator as a guide to find out what your car loan repayments could be to help you work out how much you’d like to borrow and for how long.
When you’re ready to get in touch to get a pre-approval, click on “Apply now” and one of our finance experts will be in touch to help you.
Guaranteed Future Value Finance for new cars
Guaranteed Future Value (GFV is becoming popular in New Zealand, especially for Electric Vehicles (EVs). It’s one of the main ways people finance their car overseas.
It’s popular because you’ll always have a modern car with a new car warranty without the hassle of maintaining an aging car. Plus, when you want to sell it or trade it in to upgrade, the remaining value of your car at the end of your GFV contract is agreed upfront so you know how much it will be worth and there’s no surprises.
You choose how long you want to keep the car for, your deposit amount, and your mileage allowance. That helps us work out your fixed weekly payments. At the end of your GFV contract you can:
- Give the car back to us; or
- Swap it for another car from us; or
- Pay-off the remaining value (GFV) agreed at the start of your contract and own the car.
Hire Purchase for used & new cars
A Hire Purchase spreads the car payment over a fixed number of weeks. You can choose the deposit amount, payment frequency, and length of your loan from 1 to 5 years. You can minimise your repayments by changing your deposit and loan term. To give you certainty and help you budget, your repayments stay the same and don’t change with interest rate changes.
Apply for quick & easy finance
Pick the car brand you want. Apply for pre-approved car finance today.
