Smart Business Vehicle Finance

Get finance for the vehicle that keeps your business on the move. Cars, utes, vans, or trucks — compare options and get a no-obligation quote.

Start Your Business Finance Check

Start Your Business Finance Check

Finance for Cars, Utes, Vans & Trucks
Quick Approvals to Keep You Moving (affordability tests apply).
Compare Leading NZ Business Lenders

Business-Ready Vehicle Finance

Business moves fast — and so should your vehicle finance. Whether it’s planned growth or an urgent replacement, we’re here to help you secure the right funding, fast.

Growing your fleet - add utes, vans, or trucks to meet new contracts or demand.
Replacing an ageing vehicle - keep your team on the road with safe, reliable transport.
Refinancing expensive loans - switch from high-cost finance to a more competitive option.
Fast access for urgent needs - get back up and running quickly when the unexpected happens.
Upgrading for capability - invest in vehicles that help you take on bigger jobs or new services.
Backed by choice - we compare options from multiple NZ lenders to find the right fit for your business.

Savings aren’t guaranteed and refinancing can extend the term. Approval subject to responsible lending inquiries. See Important Information below.

Get a no-obligation quote

Business Vehicle Finance
How it Works

Tell us about your business and the vehicle you need — the online form takes just a few minutes. An MVF adviser will compare finance options from leading NZ lenders and walk you through a no-obligation quote so you can decide with confidence. Approval subject to responsible lending inquiries.

What We Compare

Personalised rates matched to your credit profile and loan terms. See Loan Information below.
Term lengths vs. alternatives that could suit your business cashflow.
Repayment frequency (weekly/fortnightly/monthly) and total cost over the loan term.
Fees, including any early-repayment or setup costs.
Estimated total cost to own and operate under each option.

Talk to an MVF Adviser

Business Vehicle Finance Calculator

Check potential repayments and total cost (estimate only).

$15,000

$5,000

$50,000

48 months

12 months

60 months

9.95%

rate 7.95%

rate 29.95%

Weekly Repayments

$91

Monthly Repayments

$393

Total Amount Repayable

$18,864

The repayment amounts shown include Establishment and Introducer fees totalling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

Find out more about fees here.

How We Make It Easy

Compare multiple business lenders with just one application
Give you clear, upfront costs and terms before you commit
Handle the paperwork so you can stay focused on running your business
Keep you updated at every stage, from quote to settlement.

It’s all about getting you the finance with less hassle and more confidence.

Finance | Get a no-obligation quote

What You'll Need

We keep it simple and swift - here to help seven days a week.

Getting Started

The form takes about 3 minutes to complete. For faster turnaround, you can securely share business bank statements — in some cases we can return a conditional quote in under an hour.

Start my 3-minute check

Next Steps

When you’re ready to proceed, we’ll gather anything missing — typically proof of income (bank statements or payslips), proof of address, ID, and business details such as NZBN or GST registration. Your adviser will keep you updated and help with any questions.

Talk to an Adviser

Questions, answered

Business Vehicle Finance FAQs

How fast can I get approved?

Timing varies—but if we’ve got everything, some approvals come through the same day. Approval is subject to lender criteria and affordability checks.

Can I finance more than one vehicle at once?

Yes — we can arrange finance for fleets or multiple vehicles under one application, subject to lender approval.

Can I finance a second-hand vehicle?

Yes — provided it meets lender requirements for age, condition, and value.

Do I have to buy from a dealer?

We work with dealer and private sales, as long as the vehicle meets lender criteria.

Can I refinance an existing business vehicle loan?

Yes — we can review your current finance and explore options for a more competitive arrangement.

Savings aren’t guaranteed and refinancing can extend the term. Approval subject to responsible lending inquiries. See Important Information below.

What documents will I need?

Typically ID, proof of income, and business details such as NZBN or GST registration — we’ll guide you through exactly what’s required.

Loan Information

Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender. Approval is subject to meeting lending criteria, and affordability test applies. The lender will independently assess whether you are eligible for a loan. Same day payout is subject to meeting the above conditions and completing loan documentation by 12pm.

Fees apply, including an Establishment Fee of up to $350 and an Introducer Fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $5,000 over 12 months at 10.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $5,835.93 which is 12 monthly payments of $486.34.Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. View more information about lender fees here.

Refinance: Refinancing or consolidating may lower repayments but can lengthen the loan term and increase total interest paid. Any savings are not guaranteed and depend on your rate, fees and term. Early-repayment/break fees or other charges may apply to your current loan, and new lender fees and security requirements may apply. It is important to compare total cost (including any break fees) before proceeding. Terms and availability vary by borrower profile and lender policy.