Equipment & Asset Finance NZ
Asset finance without the red-tape to leverage and build your New Zealand business. Our flexible asset financing caters for a range of investments, including a fleet of cars, vehicles, new or used business equipment and tools. When investing in business assets and productivity, our business loan team can provide bridging loans for commercial property purchases, working capital and other lending solutions to assist in cashflow. Whether you’re looking to upgrade, invest in new tools, or bridge the gap in your property financing, Quick Loans is your equipment finance lender. Lending criteria and terms apply.
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Borrow
$1,000 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Calculate Your Asset and Business Needs Finance Repayments
Use our asset finance calculator to determine the repayments you can afford how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security. We then spread the rest across 60 months with monthly payments. Our fast loans are subject to credit checks in accordance with the responsible lending code of NZ.
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* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, you’ll get up to 48 months to repay your loan, with affordable weekly or monthly instalments. We offer competitive interest rates ranging from 13.95% to 26.98% p.a. depending on the purchase you’re making, your credit score and the term you’re looking to borrow the funds for. For full details, including early repayment options, terms and conditions, establishment fees and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. Quick Loans operates in full compliance with New Zealand’s Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
Before Securing Asset Finance in NZ – Beware
Tip 1
Securing finance for investments or holdings in NZ might feel like you’re jumping through hoops, but taking the time to get your ducks in a row before you apply will make a big difference in the success of your application. Firstly, you’ll want to ensure there’s nothing owed by the current owner of the assets you wish to purchase. An encumbrance might be listed against the item from a finance company, meaning that if you buy the item, you’re buying the debt too. There’s a range of websites in New Zealand that allow you to research any outstanding debts like CarJam and Checka. Why this is important is because if you purchase an asset, you don’t want to legally purchase the debt without knowing it. It’s called an encumbrance, which means there is a secured loan attached to the vehicle or property. This means the debt effectively transfers to the new owner of the car and doesn’t stay with the individual.
Tip 2
When buying second hand, not a new asset, It’s essential to look under the hood in depth. When financing a vehicle, beware of paint jobs that might be covering up damage or rust. Ask a mechanic to give their professional opinion, it’s worth every cent. If you’re financing new equipment assets for your business, make sure they’re functioning correctly by giving it a test run for at least 5 minutes. If you’re purchasing a property, hire a professional building inspector.
Next, you’ll want to ensure you’ve paid down any finance agreements that you might have lingering. Get these paid off if you can, as little as they are, because they’ll effect your asset financing position. Lastly, start your business asset finance application. Once approved, as your finance partner, we’ll help grow your business with access to funds.
With a bit of prep and the right advice, you’ll be on your way to financing and securing assets quicker.
Tailored Finance Options For New Zealand Assets
Think of business finance as more than “just a loan”; it could be the answer you have been searching for that can open up opportunities and kick-start growth. Whether you’re a business owner eyeing that shiny new piece of equipment, a contractor needing a reliable ute, or a first-home buyer considering a cosy tiny home, asset finance can give you the leg-up you need.
Financing an asset isn’t just about buying whatever your impulses want; it’s about investing in something that can put money in your pocket, ramp up your productivity, or add a bit of sparkle to your life. It’s a smart move that can pay off big time down the track. And with Quick Loans, you’ve got a friend who knows the ropes of asset finance in NZ, offering flexible terms, rates that won’t make your eyes water, and a fast, easy application process. Our asset finance solutions are structured to match your unique business needs!
Ready to crack open the goodies of asset finance? Give Quick Loans a bell today.
Any questions, feel free to talk to us before-hand!
Grow Your Business With Flexible Asset Business Loans
Secure the assets you need for better productivity with business asset finance – we’re here to help your business grow. Every business needs a financing partner, so we’re all about providing fast and easy asset finance, NZ wide. Whether it’s plant and machinery, new or used equipment, a vehicle, stock, an overdraft facility,or even a portable office, we’re here to help you secure it. Plus, when you invest in an asset, it often serves as security in itself, making it a safe bet for us to fund. Finance an asset with ease with Quick Loans.
Here’s How Quick Loans Can Help with Asset Financing
- Fast, Reliable and Easy: Simple application and lightning-fast approval for business asset finance!
- Smooth Sailing: Our asset loans are as smooth as a freshly paved road. No bumps, no hidden fees, just clear terms and conditions.
- Transparent Terms: We put everything on the table – no fine print, no nasty surprises. You’ll know exactly what you’re signing up for with our lending terms.
- Flexibility at Full Throttle: Offering finance with terms from 12 to 36 months, we’re all about bending the road to suit your journey.
- Competitive Rates: Our interest rates don’t bite! Designed to keep your budget on track, they’ll leave you smiling all the way to your next destination.
- Secured Dreams: Our loans for assets are secured against your new purchase. Less stress, more security – that’s our promise to you. We’ve got your back, with manageable repayments when it comes to asset finance.
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Fast, Easy Loans For Kiwis
Applying for your new loan is easy. Get access to your digital loan documents with privacy.
STEP 1
Complete our quick and simple loans online application form in only 7 minutes.
STEP 2
Your application is assessed by human – not a computer who’ll call you back within 60 minutes.
STEP 3
If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.
Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.
APPLY NOWHere Are Our Asset Finance FAQs
What is asset financing?
It’s a type of loan used to purchase assets, such as vehicles, equipment, or property. The tangible item itself often serves as security for the loan. Security is often asked for from the finance industry, so when the item you’re buying retains a high value with minimal depreciation, lenders view this as favourable to the lending criteria.
How does asset financing work?
It’s very simple. You get a loan to buy assets for your specific business. You then pay back that loan over an agreed period of time. It is handy because the asset itself often acts as security for the loan. Very similar to how you purchase a house with a mortgage, the house is the security for the loan if you default.
What types of assets can I finance?
Quick Loans offers finance for a wide range of assets, including vehicles, business equipment, and tiny homes. Anything that is tangible and can be purchased.
What are the benefits of asset financing?
Asset finance can give your business the boost it may need to go to the next level. It can help you manage your cash flow to purchase that equipment you’ve had your eyes on for ages!
Are there risk with asset finance?
Like every single financial loan and decision you make, there are always risks. No one can deny that, however, how you approach the loan and manage it will either increase or decrease that risk. Do your research first on the asset you want to buy, on the loan. Make sure that you are applying for the loan with an informed mindset.
What can’t I use asset finance for?
In most cases, we can fund your purchase in a flexible way, however, it isn’t a free-for-all! The purpose of the loan is to help business owners purchase tangible items such as vehicles, equipment, or machinery. It isn’t typically used to do things like pay wages or cover running costs. Why? Because in most cases, the security for the loan is the actual item that has been purchased, whether it be laptops, cars, or lawnmowers. It needs to be something that can be sold if the payments are defaulted and can not be made.
How do I apply for asset finance?
You can quickly and easily apply for asset finance on our website! It is an easy step-by-step process.
Fast and hassle-free, Fast Loans Online With Our ‘Digital Signature’ Service
You’re busy. We get that. That’s why you can sign for, and receive your funds without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smartphone or a computer, you can apply and get pre-approved today!