Apply Anytime and Anywhere

*Ebbett Finance is provided by Heartland Bank Limited. Heartland Bank’s responsible lending criteria, T&C’s and fees apply.

The team at Ebbett Volkswagen Pukekohe are here to help get you into the car of your dreams by providing you with competitive financing options, that can be tailored to your financial situation. Our range includes motor vehicle finance through our authorised relationships with Volkswagen Exclusive Automotive Finance (provided by UDC), Ebbett Finance and UDC Finance.

Any personal information that you provide may be used by Ebbett Volkswagen, other Ebbett Group dealerships owned by Ebbett Waikato Limited, and the finance company (if finance is applied for) for the purpose of communicating information or offers relating to our products and services. We will hold this information securely.

Volkswagen Finance

Volkswagen Exclusive Automotive Finance

Ready to join the family?

Choosing a Volkswagen is so much more than just adding a new car to your garage. It’s a personal experience that deserves a finance solution to match.

From ownership to leasing, we can help you create a tailored solution that suits your needs, budget, or lifestyle.

Meaning, you can choose the Volkswagen of your choice and can keep up to speed with the latest model technology.

*Volkswagen Exclusive Automotive Finance is provided by UDC Finance Limited.

Enjoy Six Months With No Repayments*.

With Ebbett Finance, you can get an online decision in minutes* and, for a limited time only, you can defer your repayments for 6 months*. This allows you to enjoy your new vehicle without the pressure of paying back the loan immediately.

Use our finance calculator to submit a deal you’re happy with. Credit checks are carried out in the background so you receive a quick conditional decision that you are free to accept or not.

If you then want to add the 6-month deferment offer, simply speak to the dealership business manager when you are finalising the loan and ask them to include that in your repayment schedule. They can arrange all the details, and answer any questions.

Ts & Cs: *6-month deferred payment period is not interest-free. Interest will accrue on the principal amount and fees. Overall interest costs will be higher as a result when compared to a non-deferred loan. New and used vehicles qualify. A minimum 20% deposit may be required, max 60-month term, principal & interest loans only, and loans with balloons not applicable. Subject to Heartland Bank Limited’s responsible lending criteria. Terms, conditions and fees apply, including an establishment fee of up to $500 and a PPSR fee of $7.39.

UDC Finance

For 80 years, we’ve helped New Zealanders to see their ideas become reality and investors to earn the rewards they deserve. We take great pride in lending the funds needed for vehicles, plant, equipment and machinery. As a result we have created sound returns for our investment customers.

UDC interest rates vary from 11.20% p.a. to 13.70% p.a., and the actual rate charged will depend on many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and risk profile.

Autosure Mechanical Breakdown Insurance

The last thing you should be worrying about when purchasing a new vehicle is a mechanical breakdown. Modern cars have come a long way, but with complex electrical and mechanical components breakdowns do occur.

Protect your car and your pocket with a Mechanical Breakdown Policy. It not only covers your repair bills but will also help you out with 24/7 roadside assistance, car hire to keep you mobile and any towing costs.

Autosure Loan Equity Insurance (“GAP” Cover)

In the event of a total loss of a vehicle that still under finance, you’re liable to pay the outstanding credit balance immediately. If the insurance payout doesn’t cover all of this, you would have to fork out for the difference yourself.

Having loan equity insurance prevents the loss of a vehicle hitting your pocket. It ensures that if your vehicle is written off you won’t have to pay any difference between the insurance payout and the balance owing on your credit contract.

Autosure Payment Protection Insurance

The main risk when buying a vehicle on finance is that if you lose your ability to earn, you won’t be able to cover your monthly installments, which means you’ll risk losing your vehicle and credit rating.

Payment protection insurance protects you from a range of unexpected losses of income so that should the unexpected happen, you’ll be covered and able to pay any finance requirements while you get back on track.

Volkswagen Motor Vehicle Cover

Volkswagen has a reputation for thinking differently — and our insurance is a little bit different too. Naturally, we’ve designed our cover with Volkswagen drivers in mind. But it’s the generous range of special features and added extras that really make us stand out from the crowd. Here are just a few;

  • New for old – if your Volkswagen is less than 3 years old and is written off, you’ll get a brand new one
  • All repairs are conducted using only genuine Volkswagen parts
  • Choose from a list of repairers that have earned our seal of approval
  • No claims bonus that’s protected for life
  • Cover of additional costs and no window excess

The below FAQ’s are not a representation of the finance providers mentioned above but is provided for informational purpose only


What are the details of the "Pay $0 for 6 months" offer?

The “Pay $0 for 6 months” offer is available on all Ebbett Finance deals for a limited period. This offer allows you to defer the first repayment of your finance deal for up to 6 months. You can take delivery of your new vehicle when you need it, without the pressure of making repayments in the deferment period.

Currently, you cannot specify the 6-month deferred period within the online tool but please continue to use that tool for approval of the loan amount and your Ebbett Business Manager will call you on completion to confirm that approval has been registered. At this stage, please indicate if you are interested in the 6-month deferred payment offer and your Business Manager will be happy to explain the offer in detail, answer any questions you may have, and explain your options fully.

What finance institution(s) do you use?

We have great working relationships with well known finance institutions including Volkswagen Finance, Ebbett Finance (provided by Heartland Bank Limited), Alphera Financial Services, UDC Finance and Oxford Finance.  One of the key benefits of financing your new car with Ebbett Volkswagen is that we work for you to place your car loan with the most suitable finance institution.  Our business manager will work on your behalf to get you the best rates and the best terms for your car loan.

How long will it take for my loan application to be approved?

We’ll try and get your loan approved within 24 business hours. If you have made your application outside of business hours, we’ll let you know if your loan has been approved on the next working day (once we have all the information we need).

Can I get a loan approval before I’ve found the car that I want?

Yes – plenty of our customers like to know how much they can borrow before they choose their new car. You apply for the loan as normal and, if approved, you’ll have pre-approval to select your new car.

Can I change the amount of my loan after it is approved?

Yes. If you want to increase the amount, it simply needs to be approved by the lenders and additional lending criteria may be required (you won’t need to fill in another loan application).

What interest rates do you charge?

Our interest rates are competitive and vary between 7.95% and 9.95% depending on the amount borrowed, the loan term, and your credit history. To get more information on interest rates please contact our Business Manager or call 09 903 3654.

How long is the loan term?

Our terms are flexible with a minimum of six months and a maximum of five years.  We work with you to structure your payments to suit your preferred repayment schedule.

What is the minimum loan amount?

Generally our minimum loan amount is $5,000.  However in certain circumstances you may be able to apply for a smaller car loan.

How old to I need to be to apply for finance?

You need to be at least 18 years of age.

Do I require a driver’s licence to apply for finance?

Yes, the minimum driver’s licence we require is a restricted licence.

Can I apply for finance if I have no credit history?

You may not need to have any previous credit history to get a loan approved; however, you may be asked to provide a suitable co-borrower for your loan. Co-borrowers will need to fill out a separate application and provide individual personal & financial information.

If I have bad credit can I still apply for finance?

Yes, apply for a loan with us and we’ll recommend the most appropriate lender to make your application with. The lender may ask for additional security and/or a co-borrower.

What is the security for my loan?

The security will be the car you’ve purchased, although you may be asked for additional security and/or a guarantor.

Can I pay my loan off before the end of the term?

Yes, although you may be charged an early settlement fee.  The fees and interest charged differ between lenders and are set out clearly in the loan documentation.

Can I make additional payments or change my repayment amounts during the loan term?

Yes, although fees may apply. The fees and interest charged differ between lenders and are set out clearly in the loan documentation.

Is there a loan establishment fee?

Yes. The loan establishment fee varies from lender to lender but in most cases is less than $500.

Do I need a deposit?

No.  In many cases you will not be required to have a deposit.  If you have a good credit history and are in stable full time employment there is a good chance a deposit will not be required.  If a deposit is required, this could be satisfied either by a cash deposit or a trade-in vehicle.

Where do I sign the finance documents?

Most of our customers find it easiest to sign the documents on site at Ebbett Volkswagen, however, we do have an option of digital/electronic signing (DocuSign) for completing finance documents (This also applies for biometric ID verification [AplyID] to satisfy AML compliance).

How do I make loan payments?

You can make payment by direct debit, or by automatic payment.

Do you have to have a guarantor for a business lease/agreement?

In most cases a private individual will be required to go guarantor for a business who is leasing a car.

What is AML and how does it affect me?

The AML rules refers to the Anti Money Laundering and countering financing of Terrorism act (2009) which came into effect in June 2013.  AML requires all finance companies, bank and credit unions to collect more customer information than in the past when customers are applying for a car loan.  While our business manager will make the process as painless as possible, regardless of which lender we place your car loan with Ebbett Volkswagen Pukekohe will be required to collect this information on behalf of the lender. Operating leases are exempt from the AML rules.

AML Rules

What is the AML?

The Anti Money Laundering and countering financing of Terrorism act (2009) “AML” came into effect in June 2013.

As a result of the changes, all finance companies, banks and credit unions are now required to collect more customer information. Regardless of which lender we place your car loan with Ebbett Volkswagen will be required to collect this information on behalf of the lender.

If you are applying for a car loan to finance your new car, you may be affected by AML. Operating leases are exempt from AML rules.

The nature of the information we are required to gather and how it is verified and confirmed varies between entities.

Limited liability company requirements

Persons required to provide information

All authorised Directors and personnel and all Shareholders with greater than a 25% shareholding.

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C
  • Date of birth

Must also confirm:

  • Country of domicile
  • Citizenship; and
  • Proof of address (i.e. utility bill, bank statement)

Trust requirements

Persons required to provide information

All Trustees and settlors (note also that any trustees that are companies will need to provide details as per the Limited liability companies section above).

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C.
  • Date of birth

Must also confirm:

  • Copy of trust deed
  • Full name and date of birth of all trust beneficiaries if 10 or less.
  • Proof of address (i.e. utility bill, bank statement)

Private individuals, sole traders and partnerships requirements

Persons required to provide information

All individuals, and for partnerships any partner with greater than 25% ownership.

Original or certified copies of:

  • One form of primary photo ID (refer list A for acceptable forms of ID); or two forms of non-photo ID , one from list B and a further from either list B or C.
  • Date of birth
  • Partnership agreement (where there is one)

Must also confirm:

  • Country of birth
  • Citizenship
  • Office address (if applicable for sole trader and partnerships)
  • Proof of address (i.e. utility bill, bank statement)

Certifying your information

Certifying your information in dealership

Any original ID or required document can be sighted, copied and certified by our Business Manager.

Acceptable referees for ID certification

Alternatively, your original ID can be certified by a third party (away from the dealership) by a:

  • Justice of the peace
  • Registered teacher
  • Member of the NZ police
  • Registered medical doctor
  • Minister of religion
  • Lawyer
  • Member of parliament
  • Chartered accountant
  • AplyID (Electronic ID check)

The person who certifies your documents cannot be a relative, member of your extended family group, a spouse or partner or live at the same address. They must be in no position to benefit from the financial transaction. On the front of the certified copy of the ID you must have: Certifier’s Name, Occupation, Phone Number, Date of Certification and the following signed statement: “I certify that this is a true copy of the original ID sighted by me. If the original contained a photograph of the applicant then I have used that to verify their identity.”

Identification requirements

List A – Acceptable photographic identity documents:

  • A current New Zealand photographic driver licence which will be passed through external driver licence verification
  • Passport
  • NZ firearms licence

These must be current and contain the individual’s name, date of birth, photograph and signature.

List B – Acceptable non-photographic identity document:

  • NZ bank issued document e.g. credit card, EFTPOS card, etc.
  • NZ bank statement
  • NZ Government issued document e.g. Supergold card
  • A financial statement issued by NZ Government e.g. IRD statement
  • New Zealand full birth certificate
  • Certificate of New Zealand citizenship
  • Citizenship certificate issued by foreign government
  • NZ Community services card
  • National identity card issued by a foreign government
  • NZ temporary driver licence

These must be current or, in the case of financial statements, less than 12 months old.

List C – Acceptable secondary photographic identity document:

  • Overseas driver licence
  • 18+ Card
  • Valid and current international driver permit

These must be current and contain the individual’s name, date of birth, photograph and signature.

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