Quick answer
Transport and logistics is the highest-volume asset finance category in New Zealand — trucks, prime movers, trailers, vans, refrigerated units and supporting plant. Most NZ transport operators use hire purchase or chattel mortgage to own equipment over a 36–60 month term, with up to 100% finance on new from a recognised dealer. Specialist NZ non-bank lenders (UDC, Heartland, Speirs) compete strongly with the trading banks (BNZ, ANZ) and are usually faster on used and auction equipment. Indicative rates from ~7.6% p.a. for prime borrowers.
What we finance
- Heavy and light trucks (rigids, prime movers, distribution)
- Trailers (curtain-side, flat-deck, tipper, transporter, reefer)
- Vans and light commercials
- Refrigerated and ATP units
- Forklifts and yard equipment
- Telematics, GPS and dash-cam systems
At a glance
| Typical structure | Hire purchase or chattel mortgage; operating lease for some fleets |
| Indicative rate | From ~7.6% p.a. (new, prime borrower) |
| Typical term | 36–60 months on trucks; longer on prime movers |
| 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.
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