Quick answer
Construction and civil is the second-largest NZ asset finance segment, covering excavators, loaders, dump trucks, cranes, telehandlers, prime movers, utes and supporting tools and equipment. Most construction asset finance is hire purchase or chattel mortgage with terms 48–84 months matched to plant useful life. Specialist NZ non-bank lenders (UDC, Heartland, Speirs) are particularly active in used and auction-bought plant, while banks (BNZ, ANZ) compete on prime new equipment from recognised dealers. Indicative rates from ~7.6% p.a. for prime borrowers.
What we finance
- Excavators (mini, midi, full-size)
- Wheel loaders, skid steers and telehandlers
- Dump trucks, tippers and watercarts
- Cranes (mobile, crawler, tower)
- Concrete trucks, pumps and placers
- Utes, vans, tools, and site fitout
At a glance
| Typical structure | Hire purchase or chattel mortgage; finance lease on some plant |
| Indicative rate | From ~7.6% p.a. (new, prime borrower) |
| Typical term | 48–84 months on plant; 36–60 on vehicles |
| Typical max finance | Up to 100% on new from a recognised dealer; 80–90% on used |
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
Subject to each lender's credit assessment. Not all lenders quote on every enquiry.
Get an indicative quote
Tell us about the asset and your business — we'll match you to NZ lenders most likely to fund it.
Start the matchRelated
Transport Finance
Transport and logistics is the highest-volume asset finance category in New Zealand — trucks, prime movers, trailers, vans, refrigerated units and supporting plant.
Farming Finance
Farm asset finance in New Zealand funds tractors, implements, milking systems, irrigation, ATVs and side-by-sides, farm utes, sheds and storage.