NZ asset finance comparison · Up to 100% finance · Indicative rates from ~7.6%
Asset finance for New Zealand businesses, compared.
Hire purchase, finance lease, operating lease and equipment finance — matched across NZ banks and specialist lenders. Get an indicative match in 60 seconds. No obligation.
Subject to lender credit approval. Indicative rates only.
We compare options from New Zealand asset-finance lenders
Lender enquiries are subject to each lender's credit assessment.
Quick answer
Asset finance is business lending used to acquire vehicles, equipment, plant or machinery, with the asset itself held as security. The four main NZ structures are hire purchase (you own at the end), finance lease (lender owns, you operate the asset), operating lease (rental-style, off-balance-sheet) and chattel mortgage (you own from day one, lender holds security). Indicative rates currently run from around 7.6% p.a., with conditional approvals often in 1–2 business days and up to 100% finance available for established businesses on new assets from a recognised dealer.
How AssetFinance.nz works
Tell us what you need
60-second application: asset type, value, new or used, and a bit about your business. No paperwork yet.
We match lenders
We send your enquiry to NZ asset-finance lenders most likely to approve based on the asset, amount and your business profile.
Compare offers
Lenders come back with indicative rates, terms and structures. You pick what works — subject to credit approval.
Pick the right structure
Four common ways to finance an asset in New Zealand. The right one depends on whether you want to own it, your tax position, and how it sits on your balance sheet.
Hire purchase
Own the asset at the end. Fixed payments, claim depreciation and interest. Most common structure for vehicles and equipment.
How hire purchase works →Finance lease
Lender owns; you operate the asset over its useful life. Lease payments are an operating expense.
How finance lease works →Operating lease
Rental-style, off balance sheet, often bundled with maintenance. Common for fleet vehicles and IT.
How operating lease works →Why use a comparison service
NZ lenders compared across banks, non-bank specialists and lease providers
finance available on eligible new business assets from a recognised dealer
typical conditional approval window for straightforward applications
cost to you to use our matching service — we are paid by the lender when finance settles
Ready to compare?
Tell us about the asset and your business in 60 seconds. We will match you to lenders most likely to approve.
Start the match →