Tailor-Made packages to suit you
At SKODA Finance, we offer you the same peace of mind with financial matters as you experience when you decide on a motor vehicle. We offer flexible finance for both private and business customers, and this lets you drive the vehicle you want or need now by tailor-making a solution to work for you.
We offer a comprehensive range of finance products to help you fund your new or used vehicle. This allows you to change your vehicle on a regular basis, which means you can keep up to speed with the latest model and technology.
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A Credit Agreement is one of the simplest and most popular ways for many motorists to finance a new or used ŠKODA. A Credit Agreement enables you to place a deposit towards the contract, either as cash or by using equity in your current vehicle as a trade-in.
Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract giving you the ability to tailor the repayments to best suit your budget, as well as your vehicle trading cycle.
DEPOSIT > MONTHLY PAYMENTS > OWNERSHIP
For GST registered businesses
This flexible leasing plan for business users offers possible tax benefits while improving cash flow. The advantage of a Business Lease is that it enables you to structure the contract by selecting a term and you agree a suitable residual value with us, this allows you to tailor your monthly rentals to suit your budget. Residual value risk is carried by you.
And because the rentals are fixed and known in advance,you have firm control over your vehicle budget.
After the lease period is over, the vehicle is returned to us. You then have the option to take out a new lease and upgrade your vehicle to the latest model.
ADVANCE RENTAL > MONTHLY RENTALS > END OF TERM OPTIONS
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ŠKODA OPERATING LEASE
ŠKODA Finance offers both Fully Maintained and Non Maintained Operating Lease options on new and selected demonstrator ŠKODA vehicles. An Operating Lease can best be described as a long-term rental arrangement based on a term and specified kilometre allowance.
An Operating Lease allows you to easily budget your vehicle expenses, and your monthly rentals are fixed over the term of the lease. The Fully Maintained option makes forward planning a lot easier for you, as the monthly rentals include scheduled servicing, annual registrations, warrants of fitness, with options to include replacement tyres and puncture repairs.
All Operating Lease vehicles come with the peace of mind of a ŠKODA Mobility Guarantee (24 hour roadside assistance). All servicing is conducted by professional ŠKODA trained technicians using genuine ŠKODA parts.
The Non Maintained option allows you to take care of the service and maintenance costs as and when they occur, rather than having them included in your monthly rental.
Under an Operating Lease the vehicle is treated as an off balance sheet expense so frees up your working capital. After the lease period is over, the vehicle is returned to us. You then have the option to take out a new lease and upgrade your vehicle to the latest model.
ADVANCE RENTAL > MONTHLY RENTALS > RETURN VEHICLE
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WOULDN'T IT BE CHEAPER TO GET FINANCE THROUGH MY BANK?
A: In most cases financing through your bank will be dearer than financing through us, as we have the ability to offer a range of products specific to vehicles for consumer business/trusts.
HOW FLEXIBLE IS FINANCE IF MY CIRCUMSTANCES CHANGED?
A: With a Hire Purchase (Credit Agreement) or a Financial Lease you have flexibility to change your loan structure, with minimal set-up fees.
I HAVE BEEN REFUSED FINANCE ELSEWHERE. WOULD I BE ELIGIBLE HERE?
A: Depending on why your finance was declined there are possibilities which are based on circumstance and previous loan history.
WHAT HAPPENS IF I WANT TO SELL MY VEHICLE AND PURCHASE A NEW ONE?
A: We have the ability to do that at any time and we will work with you from the beginning to ensure that this is a possibility.
Further information can be obtained relating to these products along with their relevant fees & charges by clicking on the following link www.europeanfinance.co.nz.