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Since 2004

European Financial Services Limited has been providing Credit and Lease facilities to our customers for the purchase or lease of both New & Used Motor Vehicles in New Zealand.

Finance & Lease

European Financial Services Limited offers the following products.

Credit Agreement - Available for both business & consumer customers A Credit Agreement is one of the simplest and most popular ways for motorists to finance a new or used vehicle. Available for both business & consumer customers A Credit Agreement is one of the simplest and most popular ways for motorists to finance a new or used vehicle.

  • Loan terms from 6 months to 5 years

  • Fixed Interest rate

  • No annual fees

  • Vehicle - no additional security required

  • Reduce your monthly repayments by having a combination of structured mid-term balloon payments, balloon payment at the end or paying a deposit (for approved applicants)

Deposit & Trade In

A Credit Agreement enables you to place a deposit towards the purchase, either as cash or by using equity in your current vehicle as a trade-in.

Flexible Terms

Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract, if we agree.

This gives you the ability to tailor your repayments to best suit your budget and your vehicle trading cycle.

Credit Agreement Lifecycle

  • DEPOSIT

  • MONTHLY PAYMENTS

  • OWNERSHIP

Agreement Samples

The detailed documentation will help you in adjusting the project with little effort according to your requirements.

How to Apply

To apply for either a Consumer or Business Credit Agreement, please download an application form and contact your nearest Volkswagen, Audi, Skoda or SEAT dealership to discuss quote options.

When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

Lease - Available for both business & consumer customers Available for both business & consumer customers

  • Business Lease terms from 6 months to 5 years

  • No annual fees

  • Structure your lease by selecting a term and you agree a suitable residual value with us.

  • Tailor your monthly payments to suit your budget.

  • Payments are fixed and known in advance, you have firm control over your vehicle budget.

  • Consumer Lease terms from 6 months to 45 months

  • No annual fees

  • Structure your lease by selecting a term and you agree a suitable residual value with us.

  • Tailor your monthly payments to suit your budget.

  • Payments are fixed and known in advance, you have firm control over your vehicle budget.

Option to Upgrade

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.

Lease Lifecycle

  • ADVANCE RENTAL

  • MONTHLY PAYMENTS

  • END OF TERM OPTIONS

Lease Samples

The detailed documentation will help you in adjusting the project with little effort according to your requirements.

How to Apply

To apply for either a Consumer or Business Credit Agreement, please download an application form and contact your nearest Volkswagen, Audi, Skoda or SEAT dealership to discuss quote options.

When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

Operating Lease - Full & non maintained options, available for both business & consumer customers Full & non maintained options, available for both business & consumer customers

  • Maintained & Non-maintained Operating Lease options

  • Fixed Term & maximum kilometre allowance

  • All servicing is conducted by professional trained technicians using genuine parts

  • Option to treat off Balance Sheet (Business Operating Lease only)

Maintained Option

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.

Option to Upgrade

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.

Operating Lease Lifecycle

  • ADVANCE RENTAL

  • MONTHLY RENTALS

  • RETURN VEHICLE

Samples Agreements

The detailed documentation will help you in adjusting the project with little effort according to your requirements.

How to Apply

To apply for either a Consumer or Business Credit Agreement, please download an application form and contact your nearest Volkswagen, Audi, Skoda or SEAT dealership to discuss quote options.

When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

SEAT Options

SEAT OPTIONS

Offering a Guaranteed Future Value

How would you like to drive a brand new SEAT every 3 years, enjoying low monthly payments throughout the term and have the added protection of a Guaranted Future Value (GFV)?

Introducing our SEAT OPTIONS Plan....

SEAT options operates under our standard Credit Agreement (but with a 36-month term) and a GFV Certificate.

At the end of the term of your SEAT Options plan, you can trade it on a new SEAT, you can return the car or you can keep it.

You will have added peace of mind that SEAT Finance provides you with a GFV of your new SEAT.

How it Works

  • Select your new SEAT

  • Choose your kilometre allowance over a 36-month term (if you would prefer other time periods, please contact the SEAT Store to discuss further)

  • SEAT Finance works out the Guaranteed Future Value (GFV) of your vehicle (based on the model, a 36-month term and your kilometre allowance). The GFV is the final payment on your credit agreement

End of Term Options

At the end of the term of your credit agreement, you have the following options:

1. Trade-in on a new SEAT

Simply trade-in your SEAT for a new one at the GFV and if the trade-in value is higher than the GFV, the difference is yours to use towards your new SEAT.

2. Return it

You may wish to return your SEAT, for example, if the value of your vehicle has fallen below the GFV. We will apply the GFV to what you owe us under the Credit Agreement leaving you with no further liability (subject to meeting the terms and conditions in the Credit Agreement and the GFV certificate).

*With a GFV payment at the end of the term if you decide to keep the vehicle

Important information about SEAT options

  • SEAT Options gives you the option to return the vehicle to European Financial Services Limited (EFS) at the end of the term and EFS will purchase the vehicle at the Guaranteed Future Value (GFV) as determined by EFS and as set out in your GFV Certificate. At the end of the term, you can elect to: (1) trade-in the vehicle; (2) return the vehicle; OR (3) keep the vehicle by paying the GFV.

  • The GFV is not a representation by EFS as to the likely market value of the vehicle as at the end of your Credit Agreement.

  • The option is available on new SEAT vehicles only.

  • If you exceed the kilometre allowance you must pay us the excess kilometre fee set out in the GFV Certificate.

  • If at the end of the contract if the vehicle is not in very good condition and repair (fair, wear and tear excepted), you must pay the costs to bring the vehicle to very good condition and repair (fair, wear and tear excepted).

When considering the above finance & leasing options, we recommend that you seek independent financial / legal advice based on your individual circumstances.

Contact us

European Financial Services Ltd

Trading as Volkswagen Finance; Audi Finance; Skoda Finance; SEAT Finance & Exclusive Automotive Finance, we were established in 2004 and are part of the Giltrap Group of companies.

Postal Address

European Financial Services Limited
PO Box 419
Shortland Street, Auckland 1140
NEW ZEALAND

Phone:

0800 600 122


Fax:

0800 600 126


Email:

info@europeanfinance.co.nz


Hours:

Monday - Friday
8:30 am - 5:30 pm