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Plant finance

Excavator finance, compared.

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Quick answer

Excavator finance funds mini (under 6t), midi (6–12t) and full-size (12t+) tracked and wheeled excavators for NZ civil, construction, landscaping and demolition businesses. Most NZ excavator finance is hire purchase or chattel mortgage, with terms up to 84 months matched to the asset's useful life. Indicative rates from ~7.6% p.a. for prime borrowers on new machines from a recognised dealer (Komatsu, CAT, Hitachi, Kobelco, Hyundai, Sany, Kubota, Volvo). Used excavators including auction purchases are funded by specialist NZ non-bank lenders.

What we finance

  • Mini excavators (under 6 tonne) — Kubota, Yanmar, Bobcat
  • Midi excavators (6–12 tonne) — Komatsu, CAT, Hitachi
  • Full-size tracked excavators (12t+)
  • Wheeled excavators
  • Long-reach and high-reach excavators
  • Demolition excavators with shears and breakers

At a glance

Typical structureHire purchase or chattel mortgage; finance lease for some operators
Indicative rateFrom ~7.6% p.a. (new, prime borrower) — subject to credit
Typical term48–84 months matched to useful life
Typical max financeUp to 100% on new from a recognised dealer; 80–90% on used; lower on auction
Asset ageUsed excavators: typically up to 12–15 years at end of term

Indicative only. Actual offers depend on lender credit assessment, the asset, deposit and your business profile. All applications subject to lender credit approval.

Lenders we typically match

UDC Finance
Heartland Bank
Speirs Finance

Subject to each lender's credit assessment. Not all lenders quote on every enquiry.

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Related

Truck Finance

Truck finance in New Zealand funds light, medium and heavy commercial trucks for transport, logistics, civil, construction and freight businesses.

Ute Finance

Ute finance is one of the most common NZ asset finance categories — funded across new and used Toyota Hilux, Ford Ranger, Mazda BT-50, Mitsubishi Triton, VW Amarok, Isuzu D-Max, Nissan Navara and others.

Frequently asked questions

Yes — specialist non-bank NZ asset finance lenders (UDC, Heartland, Speirs, Avanti) fund Manheim, Ritchie Bros and dealer trade-ins. You normally need pre-approval before bidding. Lenders assess condition, age, hours and resale value.