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Finance

The Money Company

At Euro City we know that purchasing a new car often depends on competitive finance being provided. With our joint venture in the Money Company Hawkes Bay we can tailor a package to suit. If we can’t offer the appropriate solution, we’ll steer you in the right direction with one of our many business partners.

Please download an Application Form below

Credit Agreement

A Credit Agreement is one of the simplest and most popular ways for many motorists to finance a new or used Volkswagen. A Credit Agreement enables you to place a deposit towards the contract, either as cash or by using equity in your current vehicle as a trade-in.

Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract giving you the ability to tailor the repayments to best suit your budget, as well as your vehicle trading cycle.

Deposit > Monthly Payments > Ownership

Business Lease

For GST registered businesses

This flexible leasing plan for business users offers possible tax benefits while improving cash flow. The advantage of a Business Lease is that it enables you to structure the contract by selecting a term and you agree a suitable residual value with us, this allows you to tailor your monthly rentals to suit your budget. Residual value risk is carried by you.

And because the rentals are fixed and known in advance,you have firm control over your vehicle budget.

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.

Advance Rental > Monthly Rentals > End of Term Options

Volkswagen Operating Lease

Volkswagen Finance offers both Fully Maintained and Non Maintained Operating Lease options on new and selected demonstrator Volkswagen vehicles. An Operating Lease can best be described as a long-term rental arrangement based on a term and specified kilometre allowance.

An Operating Lease allows you to easily budget your vehicle expenses, and your monthly rentals are fixed over the term of the lease. 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.

All Operating Lease vehicles come with the peace of mind of a Volkswagen Mobility Guarantee (24 hour roadside assistance). All servicing is conducted by professional Volkswagen trained technicians using genuine Volkswagen parts.

The Non Maintained option allows you to take care of the service and maintenance costs as and when they occur, rather than having them included in your monthly rental.

Under an Operating Lease the vehicle is treated as an off balance sheet expense so frees up your working capital. 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.

Advance Rental > Monthly Rentals > Return Vehicle

Wouldn't it be cheaper to get finance through my bank?

A: In most cases financing through your bank will be dearer than financing through us, as we have the ability to offer a range of products specific to vehicles for consumers businesses and/or trusts.

How flexible is finance if my circumstances changed?

A: With a Hire Purchase (Credit Agreement) or a Financial Lease you have flexibility to change your loan structure, with minimal set-up fees.

I have been refused finance elsewhere. Would I be eligible here?

A:Depending on why your finance was declined there are possibilities which are based on circumstance and previous loan history.

What happens if I want to sell my vehicle and purchase a new one?

A:We have the ability to do that at any time and we will work with you from the beginning to ensure that this is a possibility.

Volkswagen Finance

Further information can be obtained relating to these products along with their relevant fees & charges by clicking on the following link www.europeanfinance.co.nz.

Volkswagen Finance is an operating division of European Financial Services Limited

We recommend that all business clients consult their accountant or tax advisor to ensure they choose the finance option that best suits their business. Normal lending criteria and terms and conditions apply.

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