Finance with Ingham Tauranga
Finance locally.
TALK TO OUR TEAM AT INGHAM TAURANGA
Fast and flexible finance options available. Talk to our expert team to find the best solution for your needs. We have access to a large selection of passenger and commercial vehicles for you to choose from, and we will work with you to design the perfect Finance plan.
Vehicle finance made easy.
Our expert Finance Managers will guide you every step of the way. The process is fast and straightforward, and we’ll clearly explain all your options so you can choose what’s best for you.
Competitive finance rates.
We offer competitive interest rates and finance solutions designed specifically for buying vehicles. Our team can customise rates and loan terms to fit your individual needs.
Everything you need.
Everything you need for your vehicle purchase—finance, insurance, and warranties—all handled in one place for a seamless experience.
Discover our Finance Options
Credit Sale Agreement
What is a Credit Sale Agreement?
A Credit Sale Agreement is a type of car finance where you agree to pay for a vehicle in instalments over time. You become the legal owner of the car from the moment the agreement is signed, even though the lender retains a security interest until it’s fully paid off.
Do I own the car straight away?
Yes, under a Credit Sale Agreement, ownership transfers to you immediately. However, the lender registers a security interest on the vehicle until the loan is fully repaid.
How does repayment work?
You repay the total cost of the vehicle (minus any deposit) in fixed instalments, usually monthly, over an agreed term (commonly 12 to 60 months). The loan includes interest and may include fees. Contact us today to find the right plan for you.
What legal protections do I have?
In New Zealand, Credit Sale Agreements are covered under the CCCFA, which requires full transparency of fees, interest rates, and your rights as a borrower.
Hire Purchase Agreement
What is a Hire Purchase (HP) Agreement?
You make regular payments over a fixed term but you don’t own the car until the final payment is made. The vehicle can be used from the start of the agreement.
Who owns the car during a HP agreement?
The finance company owns the vehicle while you’re making payments. Once you complete all instalments (including any fees), ownership is transferred to you.
What happens at the end of the agreement?
Once you’ve made all your scheduled payments, including any final fees, you become the legal owner of the car.
Can I sell or trade in the car during the HP term?
Not without the finance company’s permission. Since they legally own the car until it’s paid off, you’d need to settle the finance first before selling or trading it in. Get in touch with us and we will guide your through the process.
Finance Lease Agreement
Who is a Finance Lease best suited for?
Finance leases are mostly used by businesses and sole traders who need vehicles for commercial use but don’t want to tie up capital in ownership.
Who owns the vehicle during or after the lease?
The vehicle remains the property of the finance company during the lease term. However, you make fixed monthly payments and have full use of the vehicle, but you don’t own it. At the end of the term, you have the option to buy the vehicle, upgrade, or return it (if agreed in the contract).
Who looks after servicing and maintenance?
You do. With a finance lease, you must pay for all servicing, repairs, WOF, registration, and insurance. Our specialist team is here to provide you with multiple options to streamline all of the above.
What’s the difference between a finance lease and an operating lease?
A finance lease gives you the option to buy the car at the end.
An operating lease is more like a rental — you return the car at the end.
Operating Lease
Can a business benefit from an Operating Lease?
Yes, these leases are primarily designed for business use. Individuals may be better suited to Hire Purchase or Credit Sale agreements.
What is an Operating Lease?
An Operating Lease is more like a long-term rental — you return the vehicle at the end with no obligation to buy. The Finance company (lessor) retains full ownership of the vehicle throughout the lease term.
Is an Operating Lease right for me?
An Operating Lease may be ideal if:
• You want fixed, predictable running costs (with a fully maintained lease)
• You’re a business looking for flexibility and minimal hassle
• You prefer to upgrade vehicles regularly
• You don’t want to deal with depreciation or resale
What is the difference between fully maintained and non-maintained?
Fully Maintained includes vehicle use and servicing, WOF, tyres, registration and roadside assistance
Non-maintained includes vehicle use only — you pay for all running costs
A question in mind?
CONTACT OUR FINANCE TEAM
Talk to our dedicated Finance Manager about driving your new vehicle today. Applying for finance is quick, straightforward, and comes with no obligation.