All finance terms and conditions, along with information on the cost of borrowing, including all fees and rates, are available below from each lender. It is important that you take the time to read this material.

If you are unsure which lender is providing the finance for your vehicle, please contact one of our Business Managers. They will also be able to provide you with printed copies of the relevant information, free of charge, on request.

Responsible Lending

Where we (Brendan Foot Supersite) is deemed to be the lender and in relation to the CCCF Amendment Act and Responsible Lending Code we are very careful and diligent to ensure you, as the borrower, are able to make the loan payments and the loan is appropriate to you.

We ensure that we discuss with you all terms and conditions which relate to you so you fully understand the agreement. This includes details of fees, interest rates, default interest rates, terms, total cost of finance, schedule of payments, insurance and information about full prepayment, rights to cancel, unforeseen hardship, dispute resolution, changes of address, complaints process, defaults and repossession.

Lending Rates

Lending rates range from 8.95% to 11.95%. Rates vary depending on many factors including the amount of lending, the term of the loan, the level of deposit or equity in the loan, customer credit history, and customer risk profile.


You have five working days from the date of the contract in which you can cancel the finance contract. You must send your cancellation notice both to us (Brendan Foot Supersite) and the finance company concerned within this five working day period.

Financial Institutions

For further information, please see the links below:

Marac Fees and Charges (PDF)
Marac Terms and Conditions (PDF)
Marac FAQs

HFS Fees and Charges (PDF)
HFS Terms and Conditions (PDF)

UDC FINANCE (including Hyundai Finance & Suzuki Finance)
UDC Credit Sale Agreement (PDF)
UDC Term Loan (PDF)
UDC Fee Schedule (PDF)
UDC General Conditions (PDF) 
UDC Security Agreement (PDF)
UDC Complaints
UDC Unforeseen Hardship



UDC Credit Sales Agreement (PDF)

Alphera Contract Definitions
Alphera Fees and Interest
Alphera Complaints
Alphera Agreements
Alphera FAQs

MMF Products
MMF Cost of Borrowing Information (PDF)
MMF Consumer Terms and Conditions (PDF)
MMF Direct Debit Authority Form (PDF)
MMF Third Part Authority Form (PDF)
MMF Privacy Policy
MMF Complaints

Please take the time to read the Credit Contracts and Consumer Finance Act.

Our experienced on-site Business Managers are happy to answer any finance questions you may have. Phone (04) 587 0005 or email finance@brendanfoot.co.nz to get your questions answered.

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What are On Road Costs?

On Road Costs (ORC) are the costs involved in us receiving a new vehicle from the manufacturer and preparing it for sale. These include, but are not limited to, dealer pre-delivery costs such as a mechanical inspection and WOF, a full groom and a full tank of fuel, plus the new vehicle registration fee and Road User Charges (for diesel vehicles).

Find out more here.