Truck and vehicle finance2020-05-28T09:46:50+12:00

Truck & Vehicle Finance

Competitive rates with positive outcomes — we have the experience and the reach to get the best financial solution for your business.

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Tailored vehicle finance to suit your business

Our experts help New Zealanders access highly competitive finance options, providing solutions to ease the pain and help your business grow.

Spartan Finance specialises in vehicle finance solutions for many industries including:

  • Road transport

  • Construction

  • Forestry

  • Agriculture & horticulture

  • Mining & quarry

  • Engineering

  • Manufacturing & production

  • Tourism

  • Aviation

  • Accommodation

  • Healthcare

  • Commercial Electric Vehicles

Buy that first vehicle or upgrade an entire fleet

Whatever vehicle you’re after — new or used, single or fleet — we can help you finance it. We’ll compare multiple lender rates and terms to find the best in market to suit your current situation.

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Frequently asked questions

How much deposit would I need?2019-10-04T10:16:38+13:00

We can look at zero deposit deals (100% finance) on both new and used asssets. We will look at each application in terms of affordability and individual customer circustances and tailor-make a solution that best fits your needs.

What interest rate do you charge?2019-10-04T10:14:08+13:00

Interest rates vary depending on your current financial situation, and these would be discussed and agreed with you before you finalise your finance agreement.

How much finance can I get?2019-10-10T12:08:07+13:00

You can apply for asset financing in a single application from a minimum of $10,000.

What sort of financial information do you need?2019-10-04T10:11:56+13:00

We may ask for a summary of your business’s financial situation, for example your latest financial accounts, management accounts to date and/or a budget/forecast and we may also request your bank statements to show that on a monthly basis, you can afford the repayments when they are due.

Why is asset finance different to a loan or overdraft?2019-10-04T10:10:09+13:00

Asset finance, unlike an overdraft, it’s not repayable on demand. Assessment criteria may be more flexible because we take the quality of the asset into account — whether it’s new or used — and we focus on the asset only as opposed to taking your house as security.

With a Business Loan, you are lent a certain sum of money over a period of years, and the interest rate and monthly payments are typically fixed over the term.

How do I know if you’ll lend to my business?2019-10-04T10:08:09+13:00

Every request for finance that we receive is individually assessed across a number of different factors; your credit check is just one of those. However, we are flexible and our team of experienced underwriters will review all the features of your application.

Even if you don’t meet our lending criteria, we can still refer your request to another underwriter who specialises in lending to businesses such as yours. As a responsible lender, we want to ensure that you can meet the repayments on your finance agreement so you can be confident that we will never send your information to a funder who doesn’t share this value.

 

Can I choose my repayment date and amount?2019-10-04T10:17:58+13:00

The amount you pay each month will be determined by the structure of the deal and the payment date is flexible and can be chosen by you.

Can I fund the GST portion of my purchase?2019-10-04T10:20:22+13:00

We can fund the GST inclusive purchase price of the asset purchase and can structure the GST to come back as a lump sum repayment in either the third or seventh month depending on your GST cycle.

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Take the hassle out of your asset and equipment finance needs. Get a solution that works for you, today and in the future.

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