Belmont arranges vehicle finance through a panel of established New Zealand lenders. Passenger, light commercial, and imported electric vehicles. Applications are decisioned within the hour.
Belmont does not lend on its own balance sheet. Each application is matched to the lender on our panel whose criteria and pricing fit it best. Rate bands across the vehicle panel on file to May 2026.
Belmont reviews eligibility against a specific, consistent baseline before submission. Criteria apply in addition to lender-specific policy.
| Tier | Rate | Terms | Notes |
|---|---|---|---|
| Prime — clean credit | 9.95 – 11.95% | 12 – 60+ mo | Standard |
| Mid-Prime — minor history | 11.95 – 16.95% | 12 – 60 mo | Standard |
| Sub-Prime — complex history | 16.95 – 24.95% | 12 – 48 mo | Manual review |
| Imported EV | 9.95 – 11.95% | 12 – 60+ mo | Standard |
| Light commercial — LPI support | 10.95 – 14.95% | 12 – 60 mo | Standard |
| Exotic / classic (collector) | 12.95 – 18.95% | 12 – 48 mo | Manual review |
Actual rate depends on lender assessment, credit profile, deposit, vehicle age, and loan structure.
| Residency | NZ citizen, permanent resident, or work visa with 12+ months validity remaining. |
| Age | 18 or older, with valid photo ID (NZ driver licence for secured vehicle finance). |
| Income | Documented income sufficient to service the loan at the assessed rate, with bank statements or payslips covering the last 90 days. |
| Credit file | Honest credit-file disclosure. Adverse events are reviewed in context, not rules-out. |
| Vehicle | NZ-registered or compliance-ready import. Belmont verifies encumbrance clear at settlement. |
| Deposit | Not required for clean-credit placements. Deposit may strengthen mid-prime and sub-prime submissions. |
Belmont holds accreditation with bank and non-bank lenders across the vehicle finance panel. Specific lender identities are disclosed at point of placement.
There are no up-front charges. Belmont's brokerage and the placing lender's establishment, PPSR, and ongoing fees are itemised on the loan contract before signing, then drawn from the facility at settlement — not invoiced to the borrower.
Vehicle finance is typically decisioned within the hour and settled same or next business day once supporting documentation is complete.
Belmont runs a soft assessment first where supported. A hard credit check is only recorded once you consent to formal lender submission.
Yes. Belmont prefers lenders with transparent early-repayment terms. Specific fees are disclosed on the contract before signing.
No hard credit pull until you authorise a specific lender submission.