Get Finance For a Vehicle

HMC Kapiti offer flexible finance and lease terms for your next vehicle purchase. From no deposit, long-term, residual payments or bridging finance, we have the perfect finance for a vehicle for you at a competitive rate.

Have you been quoted a large vehicle repair bill elsewhere? Talk to us today about financing the cost of any unexpected bills.


Depending on your finance for vehicle needs, we can determine the best payment structure for you. If you want to lease your next vehicle, talk to us first and let us do the hard yards to get you the best lease price available. Need Insurance? No problem.
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HMC Kapiti offers a number of insurance products including:

- Comprehensive Motor Insurance
- Payment Protection Insurance
- Mechanical Breakdown Insurance
- Loan Equity Insurance

Is your vehicle about to come out of its manufacturer's warranty but you're not ready to trade? Talk to us today about an extended warranty giving you peace of mind. If it’s a finance product that you need for your vehicle, we have a solution for you. Look at the options on the right.

 
 

  • From no deposit

    Terms up to 7 years

    Competitive rates

  • Monthly repayments reduced/structured around end of term payment ("balloon")

    Deferred payment/lump sum payment loans

    Ideal for eg farmers with seasonal incomes

    Each loan individually structured to suit

  • Flexible leasing plan with deposits, terms & Residual Values (final payment) determined by you

    Not a fixed term contract and able to be terminated early based on a settlement figure

    Ideal for eg farmers with seasonal incomes

    For Business users-the term of the contract determines the treatment of the lease for IRD purposes

  • Long term rental of vehicle determined by your mileage and time frame required

    Fully Maintained (ie all operating costs such as tyres, registration, servicing included) or Non Maintained options available

    Enhances business cash-flow by freeing up capital

  • Need Insurance? No problem.

    HMC Kapiti offer a number of insurance products including:

    - Comprehensive Motor Insurance

    - Payment Protection Insurance

    - Mechanical Breakdown Insurance

    - Loan Equity Insurance

    Is your vehicle about to come out of its Manufacturer's warranty but you're not ready to trade? Talk to us today about an extended warranty giving you peace of mind

​Advantages of Financing through HMC Kapiti:

  • Speedy approval

  • Easy application process

  • Quicker delivery of your vehicle

  • Retain your personal savings/capital in your company

  • Build a positive credit rating

Interest rate range

Standard interest rates range from 8.95% -14.95%
(promotional rates may vary from this)

 

Why Is Finance Through A Dealership Better?

A car dealership that offers to arrange finance for a vehicle for you might make you wonder why they do it? Of course, they make a small profit from it but they offer this solution because it helps their core business = selling cars. 

When approaching a bank for financing, their core business is financing and earnings off of finance. They will have limited interest in ensuring you are able to drive that beauty off of the showroom floor. 

When you are offered finance for a vehicle by a dealership, the dealership is incentivised to help you as they DO want to see you drive that beauty off of the showroom floor. 

The dealership's Finance Manager is employed by the dealership and they will definitely go out of their way to make financing for a car as easy as possible as well as convenient. 

Anyone selling finance solutions get’s a commission off of it but a financial institution makes money solely off of the finance deals. For a car dealership, the finance deal is a secondary arm of their business. The dealership’s big focus is profits made off of vehicles, not finance plans. 

The Finance Manager will be thoroughly experienced in finding finance solutions for a vehicle and is best positioned to get you behind that steering wheel which finance deal that suits you, that you can sustain and that gets you a car that you love.

Kia Konfidence

The Kia Konfidence finance for vehicles 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. A great car and a great finance solution.

Retain It

A “retain it” finance option for a vehicle lets you keep your Kia and all you need to do is pay off the guaranteed future value. The HMC Kapiti finance for the vehicle is our way of assisting you by arranging additional financing for this amount if required.

Replace It

A “replace it” finance option for a vehicle lets you exchange your Kia by trading it in and then facilitating your re-financing for a fabulous new Kia car. If the trade-in value is higher than its guaranteed future value, you can put the balance towards your new Kia. Is it time for you to upgrade your faithful Kia to a brand-spanking-new model? Choose your new ride here!

Return It

A “return it” finance option for a vehicle lets you return your Kia without paying off the guaranteed future value. This return agreement is subject to you being in compliance with the terms of the loan agreement and the Kia Konfidence Good Condition Guide.

A disposal fee and excess charges may apply for the return it finance option for a vehicle.

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

Terms And Conditions