Commercial vehicle finance blog
Articles on financing commercial vehicles in New Zealand, written for tradies, owner-drivers, SMEs and fleet managers. For the evergreen explainers on how finance itself works, see the guides. Everything here is general information, not financial advice.
Truck finance
2026 guide to commercial truck finance in NZ
How commercial truck finance works in New Zealand, why structure matters more than purchase price, and the mistakes that cost businesses money.
Compare
5 types of commercial vehicle finance explained
Asset finance, hire purchase, finance lease, balloon payment and zero deposit, compared side by side on ownership, repayments and flexibility.
Business
How to secure vehicle finance for a limited company
What lenders assess on a company application, the documents to prepare, and how to structure finance around business cashflow.
Buying
What to consider when buying a used truck
Cost, mileage and uptime on used commercial trucks, and how to finance one without straining working capital.
This guide is general information, not financial advice. Figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Consider your own circumstances and seek advice where needed. Lending criteria, terms and conditions apply.