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Multi-lender vehicle & asset finance

Vehicle finance built for how New Zealand businesses actually operate.

One application reaches multiple lenders, including UDC Finance, Marac and Avanti Finance. Zero deposit options are available and vehicles are delivered nationwide within one week.

Apply for vehicle financeCalculate repayments
Zero deposit financeNationwide delivery within a weekChristchurch based, real stock
Isuzu Ftr on the LDM Christchurch yard
Estimate your repayment

Indicative only, at a representative rate of 12.95% p.a.

$
Indicative repayment
$235/week
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One application, multiple lenders. We place your deal with the right partner on our panel.
UDC FinanceMaracAvanti FinanceBroker network
Finance products

Finance structured around the asset and the cashflow

Whether it is one ute or a fleet of twenty, we structure finance to protect working capital and keep the asset earning.

V
Vehicle finance
Cars, utes, vans and light trucks for work and private use.
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F
Commercial fleet finance
Scale a fleet of 3 to 20 vehicles without overcommitting cash.
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M
Machinery & asset finance
Earthmoving, transport, ag and marine assets on the UDC Finance panel.
Learn more →
0
Zero deposit
Finance the full purchase price and keep working capital free.
Learn more →
B
Balloon & PCP
Lower regular repayments with a deferred lump sum at term end.
Learn more →
Tradies & owner-drivers
Your vehicle is an income-earning asset. Finance that respects uptime and weekly cashflow.
Finance a work vehicle →
SME fleets
Grow a fleet of 3 to 20 vehicles on structures that protect your capital.
Explore fleet finance →
Fleet managers
Predictable costs and clean replacement cycles across larger operations.
Talk fleet strategy →
Live stock

Finance a vehicle on the yard today

View all vehicles →
1997 Isuzu Ftr tip truck for sale and finance at LDM in ChristchurchTruck
1997 Isuzu Ftr
195 DECA
159k kmDiesel6 Speed Manual
Price
$49,999
$261/wk
indicative finance
2017 Mazda Titan tip truck for sale and finance at LDM in ChristchurchTruck
2017 Mazda Titan
3T PAYLOAD CAR LICENSE
82k kmDiesel6 Speed Manual
Price
$47,850
$250/wk
indicative finance
2017 Fuso Fighter tip truck for sale and finance at LDM in ChristchurchTruck
2017 Fuso Fighter
FK1025
49k kmDieselManual
Price
$85,000
$445/wk
indicative finance
2022 Ford Ranger ute for sale and finance at LDM in ChristchurchUte
2022 Ford Ranger
XLT DOUBLE CAB W/SA
167k kmDieselAutomatic
Price
$47,999
$251/wk
indicative finance
2022 Ford Ranger ute for sale and finance at LDM in ChristchurchUte
2022 Ford Ranger
XLT DOUBLE CAB W/S 2
124k kmDieselAutomatic
Price
$33,850
$177/wk
indicative finance
2010 Isuzu Elf box body for sale and finance at LDM in ChristchurchTruck
2010 Isuzu Elf
1.5T Box Body
227k kmDieselAuto
Price
$21,999
$115/wk
indicative finance
2024 Ford Ranger ute for sale and finance at LDM in ChristchurchUte
2024 Ford Ranger
RAPTOR 3.0P/4WD/10AT
90k kmPetrolAutomatic
Price
$72,850
$381/wk
indicative finance
2017 Ford Ranger ute for sale and finance at LDM in ChristchurchUte
2017 Ford Ranger
XLT DOUBLE CAB W/SA
170k kmDieselAutomatic
Price
$28,850
$151/wk
indicative finance
The numbers

An $85,000 tipper, shown plainly

A 2017 Fuso Fighter tip truck on a five-year term with a 25 percent balloon payment. We show the full structure, not just the headline rate.

View this truck
$386/week
indicative, at a representative rate of 12.95% p.a.
Amount financed
$85,000
Term
5 years
Balloon payment
$21,250
Total interest
$36,687
Adjust this scenario in the calculator →

Verified reviews from LDM's BuyerScore profile, published as the customer wrote them.

Excellent service and prompt response to questions as well as finance options. Louis was great to deal with and I would buy there again.
BECS-NZ Limited
West Coast ·
I traded in my van and upgraded. The whole process was so easy from booking a viewing to trading in, applying for finance and online documents. I highly recommend
Christchurch Real Fruit Ice Cream Limited
Christchurch ·
Very quick responses, knowledgeable and helpful. Organised finance quickly and easily.
Easitags
Feilding ·
1 weekTrucks and vehicles delivered nationwide, typically within one week of approval.
Common questions

Vehicle finance, answered

Yes. Several lenders on our panel offer zero deposit finance where the loan covers the full purchase price. Approval depends on the asset, your trading history and the lender's criteria. We structure the application to give you the strongest chance of approval without tying up working capital.
A balloon payment is a lump sum deferred to the end of the term. It lowers your regular repayment across the term, which helps cashflow, and is settled when the term ends by paying it out, refinancing it or selling the vehicle. It suits businesses that want lower weekly costs while the asset is earning.
We hold a panel including UDC Finance, Marac, Avanti Finance and a broker network for more complex lending. One application is assessed against the panel, so you are matched to a suitable lender rather than limited to one.
Most applications are assessed within 24 to 48 hours. Straightforward commercial deals with good documentation can move faster. We tell you what happens next and who will call you.
Yes. LDM Finance is based in Christchurch and services the whole country. Vehicles are typically delivered nationwide within one week of approval.
See all frequently asked questions →
Disclaimer (interim wording, pending UDC review)

All repayment figures on this page are indicative only, calculated at a representative rate of 12.95% per annum with no fees included, and do not constitute an offer of finance. Actual rates and terms depend on the lender, the asset and your circumstances. Lending criteria, terms and conditions apply.