Discover the right loan option for you

Whatever your reason to get behind the wheel, Kia Finance can help get you there.

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Vehicle Loan

Pay as you go with tailored repayments to meet your budget and lifestyle. At the end of the term you own the vehicle.

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Leasing

Whether you’re needing one vehicle or a whole fleet, Kia Finance can help get your business on the road.

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The Car Company Hawkes Bay

Kia Konfidence

A guaranteed future value loan that gives you the flexibility to retain, replace or return your Kia at the end of your loan term.

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Put yourself in the driver's seat

The Car Company Hawkes Bay

Convenience

We offer a number of vehicle loan and leasing solutions to suit your budget and lifestyle.

The Car Company Hawkes Bay

Application speed

Our application process is simple and fast.

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Expertise

Receive ongoing support from your Kia dealer.

Vehicle Loan

Whether you’re buying a new or used Kia, a vehicle loan allows you to tailor your term and repayment schedule to suit your needs - and at the end of the term, you own the vehicle.

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Leasing

Flexible finance to suit your needs

Whether you’re needing one business vehicle or an entire fleet, Kia Finance can help.

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Kia Finance leasing options

The Car Company Hawkes Bay

Business Lease

This option gives you the flexibility to structure and align your monthly repayments with your income or to reflect changes within or outside of your business. With this option you set an expected kilometre limit, so your lease fits your needs and budget.

The Car Company Hawkes Bay

Operating Lease

This is a good option for businesses that need more than one business vehicle as only one monthly advance rental payment is required.

The Car Company Hawkes Bay

Fully Maintained Option

Kia Finance’s Fully Maintained Option is a good choice for business owners on the go. This covers you for routine servicing, replacement tyres and re-licencing.

Kia Konfidence™

The choice is yours

Know the minimum future value of your new vehicle before you drive it off the lot. Once you reach the end of your Kia Konfidence loan term, you can choose to retain your car, replace it or return it – it’s up to you.

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Kia Finance leasing options

Kia Konfidence protects the minimum future value of your new Kia, so you know what it will be worth at the end of your loan term. You then pay your loan down to the guaranteed future value through regular repayments, and at the end of your term, you get to choose what you want to do with the vehicle.

The Car Company Hawkes Bay

Retain it

To keep your Kia, all you need to do is pay off the guaranteed future value. We can assist you with additional financing for this amount, if required.

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Replace it

You can exchange your Kia by trading it in and re-financing for a new one. If the trade-in value is higher than its guaranteed future value, you can put the balance towards your new Kia.

The Car Company Hawkes Bay

Return it

Provided you comply with the terms of the loan agreement and the Kia Konfidence Good Condition Guide, you can return your Kia without paying off the guaranteed future value. A disposal fee and excess charges may apply.

See the full terms and conditions of a Kia Konfidence loan.

Kia Finance benefits

  • Flexibility

    Spread your repayments over a weekly, fortnightly or monthly period to suit your budget.

  • Choice of term

    Choose the length of the loan term, from one to five years.

  • Tailoring

    Kia Finance offers a range of balloon payments to suit your needs.

How it works

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Use the kia finance calculator

Input your desired deposit, term and payment frequency to calculate an estimate of your regular repayments.

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Visit us

Take your favourite Kia model for a spin and discuss your finance options in more detail. Get approval and take your new Kia home.

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Enjoy your Kia

You’ll have access to a dedicated Kia Finance contact centre. At the end of your term, you own the vehicle.

Finance FAQs

What is car finance?

  • Car finance in New Zealand refers to loans or financing options that help individuals purchase a vehicle by paying for it in instalments over a period of time. These can include options such as Hire Purchase (HP), Personal Contract Purchase (PCP), and vehicle leasing.

How do I apply for car finance?

  • To apply for car finance in New Zealand, you'll need to provide proof of income, identity, and residential address. Lenders will assess your credit history, financial situation, and the value of the car you're purchasing.

Can I get car finance with bad credit?

  • Yes, it’s possible to secure car finance with bad credit in New Zealand, but the interest rates might be higher, and you may need to provide a larger deposit. Some finance providers specialise in offering loans to those with poor credit histories.

What deposit do I need for car finance?

  • The deposit required varies by lender and the type of finance agreement. Generally, a deposit of 10-20% of the car’s value is expected, although some dealerships may offer no-deposit finance options, particularly for newer cars.

What is the interest rate for car finance?

  • Interest rates for car finance in New Zealand typically range between 7% and 15% per annum, depending on the loan term, the lender, and your credit score. It’s important to compare rates before committing.

Can I pay off my car finance early?

  • Yes, you can usually pay off your car finance early in New Zealand, although some lenders may charge an early repayment fee. Be sure to check your loan agreement for any penalties before making an early repayment.

What happens if I miss a payment on my car loan?

  • Missing a payment can result in late fees and a negative impact on your credit score. If multiple payments are missed, the lender may take legal action or repossess the vehicle. Contact the lender immediately if you're having difficulty making payments to explore possible solutions.

What documents do I need for car finance?

  • To apply for car finance in New Zealand, you typically need to provide:
    • Proof of identity (passport or driver’s licence)
    • Proof of address (utility bill or bank statement)
    • Proof of income (payslips, bank statements, or tax returns)
    • Details of any existing debts or financial obligations

    These documents help lenders assess your ability to repay the loan and determine the terms of the finance.

Finance Enquiry

General

Personal Details

Address Details

Time at Current Address

Time at Previous Address

License Details

Employer & Income

Employer Details

Vehicle Details & Financial Position

Vehicle Details

Trade In Vehicle Details

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