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Vehicle & fleet finance

From one ute to a whole fleet, sorted fast.

Finance cars, vans, utes and trucks — new or used — with flexible terms and quick settlement, so your wheels are working for you sooner.

Check your eligibility Talk to a specialist
Indicative rate
from 6.9% p.a.
Amount
$10k – $500k
Term
12–60 months
Pre-approved in minutes
Your matched offer96% match
$65,000Avanti Finance
Chattel mortgage · 48 months
Overview

Vehicle & Fleet, explained

Vehicle and fleet finance spreads the cost of your commercial vehicles over their working life, with the vehicle itself as security. Whether you are adding a single van or scaling a delivery fleet, our panel covers passenger and commercial vehicles, new and used, with structures from simple chattel mortgages to fleet facilities. Most deals settle quickly so you are not waiting around to hit the road.

Why it works

Why Kiwi fleets run on finance, not cash

Any commercial vehicle

Cars, vans, utes, trucks and trailers — new or quality used.

One ute or a fleet

Finance a single vehicle or structure a facility across your whole fleet.

Ownership at term end

Chattel-mortgage and hire-purchase options put the asset in your name.

Quick settlement

Fast approvals so you can take delivery and get earning.

Potential tax benefits

Interest and depreciation are often deductible for business-use vehicles.

Flexible terms

12 to 60 months with repayments matched to your cash flow.

Who it's for

Is this right for you?

Best for trades, transport, couriers, mobile services and any business that needs reliable wheels on the road.

  • Adding one vehicle or scaling a fleet
  • New or used, passenger or commercial
  • Want the asset in your own name
  • Need fast settlement
  • Trading 6+ months with an NZBN
See if you qualify
New Zealand business owner
How it works

From application to keys in four steps

1

Tell us about your business

A few quick questions and our NZBN lookup — under 2 minutes, no documents to dig up.

2

Compare your matched offers

We instantly match you with the lenders most likely to approve you, side by side.

3

Choose your lender

Pick the offer that suits you. You decide who gets in touch — no spam, ever.

4

Get funded fast

Accept and receive funds in your account in as little as 24 hours.

One application, your whole panel

Matched with lenders like

ProspaBizcapHeartland BankAvanti FinancePepper MoneyLibertyBasecorp FinanceASAP Finance
FAQs

Vehicle & Fleet, answered

Can I finance a used vehicle?+
Yes. Lenders finance both new and quality used vehicles, though the maximum term may depend on the vehicle’s age.
Can I finance several vehicles at once?+
Absolutely — we can structure a single facility across multiple vehicles for a growing fleet.
Do I own the vehicle?+
With chattel mortgage and hire-purchase structures, the vehicle is in your name and yours outright at the end.
How fast can it settle?+
Many vehicle deals are approved within hours and settle within a day or two.

Ready to put new wheels on the road?

Check your eligibility in 2 minutes — it's free and won't affect your credit score.

Get my free quote