Business vehicle loans

Keep your business moving with finance for trucks, cars, utes, vans, tractors – you name it.

With repayments tailored to your cash flow, so you can achieve business success.

Find my local office

Your business, our speciality

Hiace, Hilux or hovercraft. Whatever vehicle you need to get the job done, our business loans make it easy. You can borrow from $2,000 to $500,000 as long as we're confident you can manage the repayments.

We can help:

find the loan to suit you
tailor repayments to your cash flow – weekly, fortnightly or monthly
provide affordable insurance for mechanical breakdown
offer protection from the unexpected through our Payment Waiver options.

We want to help you reach your business goals

Let our dedicated team of vehicle finance specialists work closely with you to understand your business needs and what you can afford.

We can get your finance sorted in an afternoon, whereas a bank might keep you waiting for days. We’re in your community, and we’re passionate about helping your business to go further.

Find out what you need to know about applying for a business loan

Let us help you find your next vehicle

Our nationwide network of approved dealers are vehicle experts. They’ll help you find the right wheels for your business needs – and your budget.

Find your nearest MTF Finance approved vehicle dealer

How long it takes

Apply in person with proof of your identity, address, income and expenses, and we can usually give you an answer within an hour. Otherwise we aim to give you an answer on the same day.

After you’re approved

We'll guide you through the loan contract, help you understand your rights and obligations, and then ask you to sign it.

If you have any concerns or questions about your loan agreement, seek advice from your lawyer or accountant before signing.

What you can use as security

We’ll ask you to secure your loan using a vehicle, or another asset, that you own. This asset covers the cost of the loan in case you’re unable to pay it back.

We’ll work out your asset’s value, and you’ll need to prove you're the legal owner and there's no other loan registered against it.

Protect yourself from the unexpected

Payment Waiver

Choose Payment Waiver with your loan, and you could be protected if you’re affected by injury, illness or even death.

Mechanical breakdown insurance

Mechanical breakdown insurance covers you for repair costs if your vehicle has an unexpected mechanical or electrical problem.

Who can get an MTF Finance loan? If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for finance with us.

What things can I get a loan for? Whether it drives, floats or flies, we can finance almost anything! We also offer loans for business vehicle and equipment. We can even offer loans for home renovations or that well-earned break, using an existing asset as security. MTF Finance uses the asset you’re borrowing for (or an asset that you own) as a security for the loan. The asset must exceed $2,000 in value and have a serial number. If you have any questions or need more information about this process, just ask – we’ll be happy to help.

How long does it take to get the money? If you apply in person with supporting documentation, we can often transfer funds to you on the same day that the loan is completed. If it is for a vehicle purchase, we can also arrange to send the funds directly to the seller on your behalf.

How much can I borrow? You may borrow from $2,000 to $500,000 as long as you have sufficient security to support the loan and we’re confident you can manage the repayments.

What are the business advantages of a finance lease with MTF Finance? If you’re a business customer, you may be able to claim GST on the principal portion of each instalment, the interest portion of your payments may be tax deductible. The vehicle is recorded on your balance sheet, so you can also claim depreciation.

How soon will I know if my loan is approved? To consider your application, you must provide: – A valid NZ driver licence – Bank statement less than 30 days old, in your name, showing transactions for a calendar month – Bank statement, utility bill, rates, NZ Government documentation or insurance confirmation showing your name and physical address If you apply in person, and bring these documents with you, we can usually give you an answer on the spot.

What happens when my loan is approved? We’ll talk through the loan document, make sure you understand your rights and obligations under the contract and then ask you to sign it. If you have any concerns or queries regarding the obligations you are entering into, we recommend that you seek advice from your lawyer or accountant before signing the loan document.

Are there any hidden costs? No. The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term.

Frequently asked questions

Why choose us

Why our customers trust us to help them to do more.

We’re here for you

Service and support from your local team, tailored to you from start to finish.

Same-day approval

We can usually let you know how much you’re approved for on the same day you apply, subject to responsible lending inquiries and checks.

Locals backing locals

We’re local New Zealanders, and we live and work in your community. A local understanding goes a long way.

We take the stress out of finance

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

We're the top-rated finance company on Trustpilot

With over 11,000 customers giving us 4.9 out of 5.

Read our reviews