What we offer

We offer loans and flexible leases if your business needs vehicles or equipment. Let one of your local lending experts find the right solution for you.

Compare your options
  Business loan Operating lease Finance lease
Ownership
At the end of the contract yes no no
Residual value liability yes no yes
Goods
Can be new or used yes no yes
Recorded on your balance sheet yes no yes
Interest
Fixed rate for full term of contract yes yes yes
Calculated on GST inclusive price yes no no
Calculated on GST exclusive price no yes yes
Tax benefits for business
Interest and depreciation deductible yes no no
Interest and principle are deductible no yes no
GST
Calculated on cost of goods yes no yes
Risk protection
Comprehensive insurance (required) yes yes yes
Mechanical breakdown insurance (optional) yes no yes
Payment waiver (optional) no no no
Term
Minimum - maximum 3 - 48 months 6 - 45 months 46 - 48 months

Why choose us

Why our customers trust us to help them do more.

We’re here for you

Straight-up service, honest advice, and support that’s just a phone call away.

Same-day approval

We can usually let you know how much you’re approved for on the same day you apply.

Locals backing locals

We’re local New Zealanders, and we live and work in your community.

We take the stress out of finance

Online, over the phone, or in person, we’ll guide you through your options to select what’s best for you.