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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 we can help arrange nationwide transport.

Apply for vehicle financeCalculate repayments
Zero deposit financeWe can help arrange nationwide transportChristchurch based, real stock
Ford Ranger 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 Finance
  • Marac
  • Avanti Finance
  • Broker 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.

Vehicle finance
Cars, utes, vans and light trucks for work and private use.
Learn more →
Commercial fleet finance
Scale a fleet of 3 to 20 vehicles without overcommitting cash.
Learn more →
Machinery & asset finance
Earthmoving, transport, ag and marine assets on the UDC Finance panel.
Learn more →
Zero deposit
Finance the full purchase price and keep working capital free.
Learn more →
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 →
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/week
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/week
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/week
indicative finance
2023 Mitsubishi Triton ute for sale and finance at LDM in ChristchurchUte
2023 Mitsubishi Triton
CC C GLX 4WD 6AT 2.4
53k kmDieselAutomatic
Price
$49,850
$261/week
indicative finance
2025 Fuso Canter tip truck for sale and finance at LDM in ChristchurchTruck
2025 Fuso Canter
3T TIPPER CAR LICENSE
1k kmDieselManual
Price
$74,850
$391/week
indicative finance
2023 Mitsubishi Triton ute for sale and finance at LDM in ChristchurchUte
2023 Mitsubishi Triton
CC C GLX 4WD 6AT 2.4
112k kmDieselAutomatic
Price
$45,850
$240/week
indicative finance
2018 Mitsubishi Triton ute for sale and finance at LDM in ChristchurchUte
2018 Mitsubishi Triton
CLUB CAB GLX 2.4D
125k kmDieselManual
Price
$34,850
$182/week
indicative finance
2022 Ford Transit people movers for sale and finance at LDM in ChristchurchVan
2022 Ford Transit
TOURNEO TREND 2.0D
45k kmDieselAutomatic
Price
$48,850
$255/week
indicative finance
The numbers

An $76,850 tipper, shown plainly

A 2025 Fuso Canter 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
$349/week
indicative, at a representative rate of 12.95% p.a.
Amount financed
$76,850
Term
5 years
Balloon payment
$19,213
Total interest
$33,169
Adjust this scenario in the calculator →
Meet LDM

See how we work

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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 ·
NationwideWe can help arrange transport for trucks and vehicles anywhere in New Zealand.
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 the same day, once we have your documents. 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. We can also help arrange transport anywhere in the country.
See all frequently asked questions →
Disclaimer

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.