{"id":1040,"date":"2025-10-13T01:16:23","date_gmt":"2025-10-13T01:16:23","guid":{"rendered":"https:\/\/www.inghamdriven.nz\/tauranga\/?page_id=1040"},"modified":"2026-03-30T21:45:46","modified_gmt":"2026-03-30T21:45:46","slug":"finance","status":"publish","type":"page","link":"https:\/\/www.inghamdriven.nz\/tauranga\/finance\/","title":{"rendered":"Finance"},"content":{"rendered":"
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Finance with Ingham Tauranga<\/h1>\n\n\n\n
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Finance locally.<\/h2>\n\n\n\n

TALK TO OUR TEAM AT INGHAM TAURANGA<\/h6>\n\n\n\n
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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.<\/p>\n\n\n\n

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Apply for Finance<\/a><\/div>\n<\/div>\n\n\n\n
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Contact us for details<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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<\/i> Vehicle finance made easy.<\/h3>\n\n\n\n

Our expert Finance Managers will guide you every step of the way. The process is fast and straightforward, and we\u2019ll clearly explain all your options so you can choose what\u2019s best for you.<\/p>\n\n\n\n

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<\/i> Competitive finance rates.<\/h3>\n\n\n\n

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.<\/p>\n\n\n\n

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<\/i> Everything you need.<\/h3>\n\n\n\n

Everything you need for your vehicle purchase\u2014finance, insurance, and warranties\u2014all handled in one place for a seamless experience.<\/p>\n\n\n\n

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Discover our Finance Options<\/h2>\n\n\n\n
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Credit Sale Agreement<\/h3>\n\n\n\n
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What is a Credit Sale Agreement?<\/h6>\n
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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.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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Do I own the car straight away?<\/h6>\n
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Yes, under a Credit Sale Agreement, ownership transfers to you immediately. However, the lender registers a security interest<\/strong> on the vehicle until the loan is fully repaid.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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How does repayment work?<\/h6>\n
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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.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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What legal protections do I have?<\/h6>\n
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In New Zealand, Credit Sale Agreements are covered under the CCCFA<\/strong>, which requires full transparency of fees, interest rates, and your rights as a borrower.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Hire Purchase Agreement<\/h3>\n\n\n\n
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What is a Hire Purchase (HP) Agreement?<\/h6>\n
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You make regular payments over a fixed term but you don\u2019t own the car until the final payment is made<\/strong>. The vehicle can be used from the start of the agreement.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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Who owns the car during a HP agreement?<\/h6>\n
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The finance company owns the vehicle while you\u2019re making payments. Once you complete all instalments (including any fees), ownership is transferred to you<\/strong>.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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What happens at the end of the agreement?<\/h6>\n
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Once you\u2019ve made all your scheduled payments, including any final fees, you become the legal owner<\/strong> of the car.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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Can I sell or trade in the car during the HP term?<\/h6>\n
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Not without the finance company\u2019s permission. Since they legally own the car until it’s paid off, you\u2019d need to settle the finance first<\/strong> before selling or trading it in. Get in touch with us and we will guide your through the process.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Finance Lease Agreement<\/h3>\n\n\n\n
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Who is a Finance Lease best suited for?<\/h6>\n
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Finance leases are mostly used by businesses and sole traders<\/strong> who need vehicles for commercial use but don\u2019t want to tie up capital in ownership<\/strong>.<\/p>\n\n\n\n

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Who owns the vehicle during or after the lease?<\/h6>\n
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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<\/strong>, but you don\u2019t own it<\/strong>. At the end of the term, you have the option to buy the vehicle<\/strong>, upgrade<\/strong>, or return it<\/strong> (if agreed in the contract).<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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Who looks after servicing and maintenance?<\/h6>\n
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You do. With a finance lease, you must pay for all servicing, repairs, WOF, registration, and insurance<\/strong>. Our specialist team is here to provide you with multiple options to streamline all of the above.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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What\u2019s the difference between a finance lease and an operating lease?<\/h6>\n
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A finance lease<\/strong> gives you the option to buy the car<\/strong> at the end.<\/p>\n\n\n\n

An operating lease<\/strong> is more like a rental \u2014 you return the car<\/strong> at the end.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Operating Lease<\/h3>\n\n\n\n
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Can a business benefit from an Operating Lease?<\/h6>\n
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Yes, these leases are primarily designed for business use<\/strong>. Individuals may be better suited to Hire Purchase<\/strong> or Credit Sale<\/strong> agreements.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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What is an Operating Lease?<\/h6>\n
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An Operating Lease<\/strong> is more like a long-term rental \u2014 you return the vehicle at the end with no obligation to buy<\/strong>. The Finance company (lessor) retains full ownership of the vehicle throughout the lease term.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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Is an Operating Lease right for me?<\/h6>\n
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An Operating Lease may be ideal if:<\/p>\n\n\n\n

\u2022 You want fixed, predictable running costs (with a fully maintained lease)<\/p>\n\n\n\n

\u2022 You\u2019re a business looking for flexibility and minimal hassle<\/strong><\/p>\n\n\n\n

\u2022 You prefer to upgrade vehicles regularly<\/strong><\/p>\n\n\n\n

\u2022 You don\u2019t want to deal with depreciation or resale<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n

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What is the difference between fully maintained and non-maintained?<\/h6>\n
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Fully Maintained<\/strong> includes vehicle use and servicing, WOF, tyres, registration and roadside assistance<\/p>\n\n\n\n

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Non-maintained<\/strong> includes vehicle use only \u2014 you pay for all running costs<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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A question in mind?<\/h2>\n\n\n\n

CONTACT OUR FINANCE TEAM<\/h6>\n<\/div>\n\n\n\n
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Talk to our dedicated Finance Manager about driving your new vehicle today. Applying for finance is quick, straightforward, and comes with no obligation. <\/p>\n\n\n\n

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Evan Campbell<\/div>
General Manager<\/div>
027 290 4727<\/a><\/div>
(07) 925 6143<\/a> (extn 4110)<\/span><\/div>
evan.campbell@inghamdriven.nz<\/a><\/div>
Message me on:<\/span>CHAT<\/a><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div><\/div>\n\n\n\n
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