Multi-lender vehicle & asset finance
Vehicle finance built for how New Zealand businesses actually operate.
One application reaches multiple lenders, including UDC, Heartland Bank (Marac) and Avanti. Zero deposit options are available and vehicles are delivered nationwide within one week.
Zero deposit financeNationwide delivery within a weekChristchurch based, real stock
Estimate your repayment
Indicative only, at a representative rate of 12.95% p.a.
$
Indicative repayment
$235/week
One application, multiple lenders. We place your deal with the right partner on our panel.
UDC FinanceHeartland Bank · MaracAvanti FinanceBroker network
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.
Learn more →
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 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.
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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
View all vehicles →Finance a vehicle on the yard today
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
Placeholder quote — pending sign-off
Placeholder testimonial copy. Real first-party quotes to be supplied by LDM before launch.
Arborist, Canterbury
Placeholder quote — pending sign-off
Placeholder testimonial copy. Real first-party quotes to be supplied by LDM before launch.
Courier SME, Auckland
Placeholder quote — pending sign-off
Placeholder testimonial copy. Real first-party quotes to be supplied by LDM before launch.
Construction, Otago
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 as a preferred partner, Heartland Bank (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.
Disclaimer (final wording pending UDC sign-off)
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.