Credit Agreement

A Credit Agreement is one of the simplest and mostpopular ways for many motorists to finance a newor used Skoda.

A Credit Agreement enables you toplace a deposit towards the contract, either as cash orby using equity in your current vehicle as a trade-in.

Flexible terms are available including the option to havea balloon amount (larger final payment) built into your contractgiving 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 asuitable residual value with us, this allows you to tailor your monthlyrentals 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

Skoda Operating Lease

Skoda Finance offers both Fully Maintained and Non Maintained Operating Lease options on new and selected demonstrator Skoda 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 vehicleexpenses, and your monthly rentals are fixed over the term of the lease.

The Fully Maintained option makes forward planning alot easier for you, as the monthly rentals include scheduled servicing, annual registrations, warrants of fitness, with options to includereplacement tyres and puncture repairs. All Operating Lease vehicles come with the peace of mind of Skoda Roadside Assistance (24 hour roadside assistance).

All servicing is conducted by professional Skoda trained technicians using genuine Skoda parts. The Non Maintained option allows you to take care of the service and maintenancecosts as and when they occur, rather than having them included in your monthly rental. Under an Operating Lease the vehicle is treated as an off balance sheet expense so frees upyour 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

Skoda Finance is an operating division of European Financial Services Limited