Credit Agreement

A Credit Agreement is one of the simplest and most popular ways for many motorists to finance a new or used vehicle. A Credit Agreement enables you to place a deposit towards the contract, either as cash or by using equity in your current vehicle as a trade-in.

Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract giving you the ability to tailor the repayments to best suit your budget, as well as your vehicle trading cycle.

Deposit > Monthly Payments > Ownership

Business Lease >For GST registered businesses

This flexible leasing plan for business users offers possible tax benefits while improving cash flow.

The advantage of a Business Lease is that it enables you to structure the contract by selecting a term and you agree a suitable residual value with us, this allows you to tailor your monthly rentals to suit your budget. Residual value risk is carried by you.

And because the rentals are fixed and known in advance, you have firm control over your vehicle budget.

After the lease period is over, the vehicle is returned to us.

You then have the option to take out a new lease and upgrade your vehicle to the latest model.

Advance Rental > Monthly Rentals > End of Term Options

Operating Lease

Exclusive Automotive Finance offers a Non Maintained Operating Lease on new and selected demonstrator vehicles. An Operating Lease can best be described as a long-term rental arrangement based on a term and specified kilometre allowance.

An Operating Lease allows you to easily budget your vehicle expenses, and your monthly rentals are fixed over the term of the lease.

Under an Operating Lease the vehicle is treated as an off balance sheet expense so frees up your working capital. After the lease period is over, the vehicle is returned to us.

You then have the option to take out a new lease and upgrade your vehicle to the latest model.

Advance Rental > Monthly Rentals > Return Vehicle

*When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

Further information can be obtained relating to these products along with their relevant fees & charges by clicking on the following link.

www.europeanfinance.co.nz

www.nissan.co.nz

www.europeanfinance.co.nz

www.udc.co.nz

Download UDC Pricing

www.bnz.co.nz/assetfinance/