Vehicle finance

Vehicle finance in New Zealand

Vehicle finance lets you buy a car, ute, van or truck and pay it off over a set term. LDM Finance submits one application across a panel of lenders, including UDC Finance, Marac and Avanti Finance, to find a structure that suits your cashflow. Zero deposit and balloon options are available.

Choose your finance type

Car finance

Consumer and business car loans with clear, fixed repayments.

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Commercial vehicle finance

Utes, vans and light trucks for tradies and owner-drivers.

Explore commercial finance →

Truck finance

Tippers, canters and heavier vehicles built to keep earning.

Explore truck finance →

Ute & toolbox service body finance

A priority tradie product, set up for work-ready vehicles.

Explore ute finance →

Zero deposit finance

Finance the full price and keep your working capital free.

Explore zero deposit →

Balloon & PCP finance

Lower regular repayments with a deferred lump sum at term end.

Explore balloon & PCP →

Compare finance structures

The right structure depends on how you use the asset and how you want to manage cashflow.

Feature	Standard finance	Balloon finance	PCP finance
Regular repayment	Higher, fully pays off the asset	Lower, part deferred to a balloon	Lower, based on projected future value
End of term	You own the asset outright	Pay, refinance or sell to settle balloon	Keep, hand back or trade up
Best for	Long-term ownership, simple structure	Cashflow-sensitive businesses	Regular vehicle upgrade cycles
Deposit	Optional, zero deposit available	Optional, zero deposit available	Optional
Ownership during term	Financed in your name	Financed in your name	Financed, subject to return options

Estimate your repayments

Adjust amount, term, deposit and balloon to see weekly, fortnightly or monthly figures.

Open the calculator →

Request a tailored finance structure

One application, assessed across our lender panel within 24 to 48 hours.

Apply for finance →

Vehicle finance questions

Can I finance a vehicle for both business and personal use?

Yes. Many tradies and owner-drivers use one vehicle for work and family. We structure finance around how the asset is used and whether the applicant is a business or an individual, so the paperwork and the lender match your situation.

What can I finance through LDM Finance?

Cars, utes, vans, light trucks and heavier commercial vehicles, as well as machinery and other business assets. If it is an income-earning asset on wheels or tracks, we can usually structure finance for it across our lender panel.

Do I need a deposit?

Not always. Several lenders on our panel offer zero deposit finance, where the loan covers the full purchase price. A deposit lowers your repayment and total interest, but keeping capital free is often the better call for a working business.

How does LDM Finance choose a lender?

We assess one application against the whole panel, including UDC Finance, Marac, Avanti Finance and a broker network for complex cases. You are matched to a suitable lender rather than limited to a single option.

LDM Finance works with a panel of lenders and is not a lender. Approvals are subject to responsible lending inquiries. Each lender's eligibility criteria, fees, terms and conditions apply. All figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Finance wording follows UDC Finance's standard guidance and remains subject to UDC marketing review.