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*Ebbett Finance is provided by Heartland Bank Limited. Heartland Bank’s responsible lending criteria, T&C’s and fees apply.

Finance

The team at Ebbett Audi are here to help get you into the car of your dreams by providing you with competitive financing options, that can be tailored to your financial situation. Our range includes motor vehicle finance through our authorised relationships with Audi Exclusive Automotive Finance (provided by UDC Finance Limited), Ebbett Finance and UDC Finance.

Any personal information that you provide may be used by Ebbett Audi, other Ebbett Group dealerships owned by Ebbett Waikato Limited, and the finance company (if finance is applied for) for the purpose of communicating information or offers relating to our products and services. We will hold this information securely.

Audi Finance

Audi Finance*

Your dream car could be closer than you think

Getting behind the wheel of your Audi is personal and choosing your finance option is no different.

We’re here to help you choose the ideal finance solution to suit your needs, budget and lifestyle.

Our financing and leasing options are flexible and straightforward, delivered by the people who are just as passionate about Audi as you.

We offer a range of finance solutions from ownership to leasing, which means you can keep up to speed with the latest model technology.

*Audi Exclusive Automotive Finance is provided by UDC Finance Limited.  https://www.udc.co.nz 

Enjoy Six Months With No Repayments*.

With Ebbett Finance, you can get an online decision in minutes* and, for a limited time only, you can defer your repayments for 6 months*. This allows you to enjoy your new vehicle without the pressure of paying back the loan immediately.

Use our finance calculator to submit a deal you’re happy with. Credit checks are carried out in the background so you receive a quick conditional decision that you are free to accept or not.

If you then want to add the 6-month deferment offer, simply speak to the dealership business manager when you are finalising the loan and ask them to include that in your repayment schedule. They can arrange all the details, and answer any questions.

Ts & Cs: *6-month deferred payment period is not interest-free. Interest will accrue on the principal amount and fees. Overall interest costs will be higher as a result when compared to a non-deferred loan. New and used vehicles qualify. A minimum 20% deposit may be required, max 60-month term, principal & interest loans only, and loans with balloons not applicable. Subject to Heartland Bank Limited’s responsible lending criteria. Terms, conditions and fees apply, including an establishment fee of up to $500 and a PPSR fee of $7.39.

UDC Finance

For 80 years, we’ve helped New Zealanders to see their ideas become reality and investors to earn the rewards they deserve. We take great pride in lending the funds needed for vehicles, plant, equipment and machinery. As a result we have created sound returns for our investment customers.

UDC interest rates vary from 11.20% p.a. to 13.70% p.a., and the actual rate charged will depend on many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and risk profile.

The below FAQs are not a representation of the finance providers mentioned above but is provided for informational purpose only.

FAQ

The “Pay $0 for 6 months” offer is available on all Ebbett Finance deals for a limited period. This offer allows you to defer the first repayment of your finance deal for up to 6 months. You can take delivery of your new vehicle when you need it, without the pressure of making repayments in the deferment period.

Currently, you cannot specify the 6-month deferred period within the online tool but please continue to use that tool for approval of the loan amount and your Ebbett Business Manager will call you on completion to confirm that approval has been registered. At this stage, please indicate if you are interested in the 6-month deferred payment offer and your Business Manager will be happy to explain the offer in detail, answer any questions you may have, and explain your options fully.

We have great working relationships with well-known finance institutions including Audi Exclusive Automotive Finance (provided by UDC Finance Limited), Alphera Financial Services, Ebbett Finance (provided by Heartland Bank Limited) and UDC Finance (an ANZ subsidiary). One of the key benefits of financing your new car with Ebbett Audi is that we work for you to place your car loan with the most suitable finance institution. Our business manager will work on your behalf to get you the best rates and the best terms for your car loan.

We’ll try and get your loan approved within 24 business hours. If you have made your application outside of business hours, we’ll let you know if your loan has been approved on the next working day (once we have all the information we need).

Yes – plenty of our customers like to know how much they can borrow before they choose their new car. You apply for the loan as normal and, if approved, you’ll have pre-approval to select your new car.

Yes. If you want to increase the amount, it simply needs to be approved by the lenders and additional lending criteria may be required (you won’t need to fill in another loan application).

Our interest rates are competitive and vary between 11.20% and 14.35% depending on the amount borrowed, the loan term, and your credit history. To get an idea of our current rates contact our Business Manager or call 07 903 2240.

Our terms are flexible with a minimum of six months and a maximum of five years. We work with you to structure your payments to suit your preferred repayment schedule.

Generally our minimum loan amount is $5,000. However in certain circumstances you may be able to apply for a smaller car loan.

You need to be at least 18 years of age.

Yes, the minimum driver’s licence we require is a restricted licence.

You may not need to have any previous credit history to get a loan approved; however, you may be asked to provide a suitable co-borrower for your loan. Co-borrowers will need to fill out a separate application and provide individual personal & financial information.

Yes, apply for a loan with us and we’ll recommend the most appropriate lender to make your application with. The lender may ask for additional security and/or a co-borrower.

The security will be the car you’ve purchased, although you may be asked for additional security and/or a guarantor.

Yes, although you may be charged an early settlement fee. The fees and interest charged differ between lenders and are set out clearly in the loan documentation.

Yes, although fees may apply. The fees and interest charged differ between lenders and are set out clearly in the loan documentation.

Yes. The loan establishment fee varies from lender to lender but in most cases is less than $500.

No. In many cases you will not be required to have a deposit. If you have a good credit history and are in stable full time employment there is a good chance a deposit will not be required. If a deposit is required, this could be satisfied either by a cash deposit or a trade-in vehicle.

Most of our customers find it easiest to sign the documents on site at Ebbett Audi, however, we do have an option of digital/electronic signing (DocuSign) for completing finance documents (This also applies for biometric ID verification [AplyID] to satisfy AML compliance).

You can make payment by direct debit, or by automatic payment.

In most cases a private individual will be required to go guarantor for a business who is leasing a car.

The AML rules refers to the Anti Money Laundering and countering financing of Terrorism act (2009) which came into effect in June 2013. AML requires all finance companies, bank and credit unions to collect more customer information than in the past when customers are applying for a car loan. While our business manager will make the process as painless as possible, regardless of which lender we place your car loan with Ebbett Audi will be required to collect this information on behalf of the lender. Operating leases are exempt from the AML rules.

AML Rules

The Anti Money Laundering and countering financing of Terrorism act (2009) “AML” came into effect in June 2013.

As a result of the changes, all finance companies, banks and credit unions are now required to collect more customer information. Regardless of which lender we place your car loan with Ebbett Audi will be required to collect this information on behalf of the lender.

If you are applying for a car loan to finance your new car, you may be affected by AML. Operating leases are exempt from AML rules.

The nature of the information we are required to gather and how it is verified and confirmed varies between entities.

Persons required to provide information

All authorised Directors and personnel and all Shareholders with greater than a 25% shareholding.

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C
  • Date of birth

Must also confirm:

  • Country of domicile
  • Citizenship; and
  • Proof of address (i.e. utility bill, bank statement)
Persons required to provide information

All Trustees and settlors (note also that any trustees that are companies will need to provide details as per the Limited liability companies section above).

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C.
  • Date of birth

Must also confirm:

  • Copy of trust deed
  • Full name and date of birth of all trust beneficiaries if 10 or less.
  • Proof of address (i.e. utility bill, bank statement)
Persons required to provide information

All individuals, and for partnerships any partner with greater than 25% ownership.

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C.
  • Date of birth
  • Partnership agreement (where there is one)

Must also confirm:

  • Country of birth
  • Citizenship
  • Office address (if applicable for sole trader and partnerships)
  • Proof of address (i.e. utility bill, bank statement)

Certifying your information in dealership

Any original ID or required document can be sighted, copied and certified by our Business Manager.

Acceptable referees for ID certification

Alternatively, your original ID can be certified by a third party (away from the dealership) by a:

  • Justice of the peace
  • Registered teacher
  • Member of the NZ police
  • Registered medical doctor
  • Minister of religion
  • Lawyer
  • Member of parliament
  • Chartered accountant
  • AplyID (Electronic ID check)

The person who certifies your documents cannot be a relative, member of your extended family group, a spouse or partner or live at the same address. They must be in no position to benefit from the financial transaction. On the front of the certified copy of the ID you must have: Certifier’s Name, Occupation, Phone Number, Date of Certification and the following signed statement: “I certify that this is a true copy of the original ID sighted by me. If the original contained a photograph of the applicant then I have used that to verify their identity.”

List A – Acceptable photographic identity documents:
  • A current New Zealand photographic driver licence which will be passed through external driver licence verification
  • Passport
  • NZ firearms licence

These must be current and contain the individual’s name, date of birth, photograph and signature.

List B – Acceptable non-photographic identity document:

  • NZ bank issued document e.g. credit card, EFTPOS card, etc.
  • NZ bank statement
  • NZ Government issued document e.g. Supergold card
  • A financial statement issued by NZ Government e.g. IRD statement
  • New Zealand full birth certificate
  • Certificate of New Zealand citizenship
  • Citizenship certificate issued by foreign government
  • NZ Community services card
  • National identity card issued by a foreign government
  • NZ temporary driver licence

These must be current or, in the case of financial statements, less than 12 months old.

List C – Acceptable secondary photographic identity document:

  • Overseas driver licence
  • 18+ Card
  • Valid and current international driver permit

These must be current and contain the individual’s name, date of birth, photograph and signature.