COVID-19 current update: We are able to assist across all levels of lockdown nationwide due to the nature of our business being 100% online. Our brokers and lenders are working remotely to provide faster and smarter finance options.

7* Year Vehicle Loans

*applicable to cars, caravans and motorhomes only, under 10 years old and above $20,000

Credit One logo

Home Equipment Finance Options

Choose NZ's Best Rated Finance Broker

Over 150 Five Star reviews on Google

Caravan Chattel Mortgage hero banner

Finance & Leasing Options

Credit One has a range of funding solutions to help you buy capital assets.

The right type of finance for your business and how the finance is structured depends on a number of different factors - your Credit One finance consultant will work with you and your accountant to help you make choices that free your cashflow and maximise your tax benefits. Every business is different - we help you with finance that delivers what you need, when you need it.

Finance and leasing options include:

Hire Purchase or Credit Sale Agreement:

This option is most commonly used by small to medium sized businesses.

  • Asset being purchased used as security.
  • GST claimed on the asset invoice.
  • Depreciation and interest on instalments may be tax deductible.
  • Repayments can be structured to suit various circumstances, such as seasonal cashflow.
  • Terms vary from 6 to 60 months.
  • Interest rate fixed for the term of the agreement.
  • 100% funding available.

Finance Lease:

Also known as "Lease to Own", Finance Lease is a great option for businesses that require their equipment and machinery to be upgraded regularly.

  • Asset being purchased used as security.
  • GST spread across the instalments throughout the term of the lease.
  • Terms vary from 12 to 60 months.
  • Interest rate fixed for the term of the agreement.
  • 100% funding available.

There are three options at the end of the lease. You can either:

  • Pay the Residual Value (final instalment) and retain ownership of the gear, or
  • Sell/Trade the gear to settle the Residual Value and replace it, or
  • Refinance the Residual Value and continue the lease until it's paid in full.

Operating Lease/Rental:

  • Operating Lease payments are fully tax-deductible.
  • There are no large, upfront deposit requirements. Leasing is a low cost, efficient financing solution that can improve your working capital as 100% of the equipment cost is financed. Rental payments are fixed for the term of the contract allowing for easy budgeting.
  • Operating Lease and agreements do not appear on your balance sheet as monthly payments are expensed on your income statement. This may improve your business’ key performance ratios, which could otherwise restrict future business expansion with your bank.
  • Leasing takes away the risks associated with ownership and disposing of your equipment in today’s uncertain resale market. At the end of the term the gear is returned with no further obligation. (Subject to fair wear & tear conditions.)
  • Leasing allows your business to benefit from using the latest technology and efficiencies by maintaining state of the art equipment and machinery.
  • Lease Agreements can be tailored to suit your individual business and cash flow needs, allowing you to have monthly, quarterly, annually or structured payments

Calculators

What are my repayments?

How much can I borrow?

Calculated with the interest rate of 9.95%*

$148.41
Apply Online Now

Calculated with the interest rate of 9.95%*

$26,952.00
Apply Online Now

* The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

Meet Our Partners

We are accredited with the most reputable lenders and insurers in New Zealand giving you a fair choice to compare.

Our Lenders

UDC Marac Finance Now Oxford Finance Avanti Finance Orix BNZ Get Capital Auto Finance Direct CFS Finance Broadlands Partner Finance Lease Autosure Go Cover Quest Insurance
Yellow stars from Feefo

Top notch

Very quick and hassle free process Graeham is the man to deal with very stress free.

Daniel

Feefo logo

Feefo 5 star rated company

Need a fast tailored approval?

Let us compare them for you

Our finance specialists work for you and will save you time and money by comparing 15 reputed lenders nationwide to get you best-rate finance.