Terms of use.

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What these terms cover

These Terms of Use apply to your access and use of the MTF Finance website and any mobile application(s) (together, “Digital Services”).


Acceptance of Terms

By using our Digital Services, you agree to these Terms and our Privacy Policy. If you do not agree, please stop using them. We may update these Terms and our Digital Services at any time without notice. Continued use after changes means you agree to the updated Terms.


Loan calculator

The loan calculator provides an estimate only and is not an offer of finance. Repayments shown are based on equal monthly payments over the full loan term and do not include optional products like Payment Waiver.

Actual repayments, interest rates, and fees may differ based on your application and credit assessment. Please review our lending criteria and fees before applying.


Independent advice

Information on our Digital Services is for general purposes only and should not replace professional advice. Before making financial decisions, please seek independent advice that considers your personal circumstances.


Links to other websites

Links on our Digital Services are for convenience only. We don’t endorse third-party sites. They may have different terms and privacy policies, read those before using them.

If you link our Website to yours, remove the link if we ask. You’re responsible for all direct or indirect consequences of that link. You indemnify MTF Finance Group against all costs, loss, damage, liability or expense and other liabilities arising from or in connection with that link.


Profile Images

You can add an image to your account. We may remove or replace it. If we provide the image, you can’t download, share, or copy it.

If you upload your own image, you:

  • Confirm you own it, and it doesn’t infringe anyone’s rights.
  • Give us permission to use and modify it to provide services.
  • Confirm it doesn’t contain illegal or offensive content.


Content Ownership

MTF Finance owns all content on our Digital Services. You may use it for your own non-commercial use only. You can’t use it for any other purpose.


Our liability

We do our best to provide accurate information but to the extent permitted by law:

  • We don’t guarantee the information is complete, up to date, available, or suitable for your needs.
  • All warranties and conditions are excluded.
  • MTF Finance Group is not responsible for any loss or damage from using or relying on our Digital Services.


Your Agreement with us

These Terms form the entire agreement between you and us for using our Digital Services. They replace any previous promises or messages. If any part of these Terms is found to be invalid, the rest will still apply.

If we don’t use a right straight away, that doesn’t mean we’ve waived it. We can still use it later and exercise all our other rights.

If these Terms conflict with the terms for a specific product or service, the product or service terms apply.


Our Product Standard Terms

Read our downloadable files below to help you prepare your application.

PDF

General Terms - Secured credit contract

· [PDF, 363 KB]
PDF

General Terms - Unsecured credit contract

· [PDF, 590 KB]
PDF

General Terms - Operating lease

· [PDF, 100 KB]
PDF

General Terms - Finance lease

· [PDF, 118 KB]
PDF

General Terms - Payment Waiver

· [PDF, 267 KB]

Our Application Terms

Proudly local

Our Digital Services, products and services are only for people residing in New Zealand and we follow New Zealand law. Any disputes will be handled exclusively by New Zealand courts.

Words we use

MTF Finance means Motor Trade Finance Limited, Level 1, 98 Great King St, Dunedin, New Zealand and includes any third party transferred MTF Finance rights.

MTF Finance Group, we, us, or our means MTF Finance, MTF Finance subsidiaries and related entities, and the network of franchises and approved dealers who provide MTF Finance products and services.

You and your means our customers and other individuals who engage with us directly or indirectly.