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Need Finance?

Apply for simple, competitive vehicle financing through Stephen Hill Motors, where we work hard to make your vehicle buying experience hassle free. Our specialist Business Manager will talk you through your options for a finance package that you are completely comfortable with, one that suits your budget and your lifestyle.

At Stephen Hill Motors we are committed to responsible lending, and whatever your current situation, we are here to work with you to ensure you make an informed decision. Helping you find the right vehicle finance package is our number one priority, which fits within your budget and our finance providers’ lending requirements.

Stephen Hill Motors can help you to access a FULL range of finance options:

  • We specialise in Low and NO Deposit plans, call us and see if we can make it happen.*
  • Options if you don’t have a deposit or trade. We can evaluate your circumstances and see if there is a solution for you.
  • Repayments to suit your budget.
  • Ability to use your trade in as a deposit, even if you still owe money, talk to us.
  • Finance terms from 6 months to 5 years.
  • Full disclosure around how payments are calculated.
  • Fixed interest rates from 12.45% p.a. to 16.45% p.a. (Mandatory fees also apply, see schedule of fees and charges below). The interest rate charged will depend on your financial circumstances, taking into account:
    • how much you want to borrow
    • the term of your loan
    • your income
    • your other financial commitments
    • your credit history
  • A straightforward application process: apply online whenever you want, or simply call us.

Talk to our team today. We’re always ready for your call.

* Important lending criteria, terms and conditions apply.

Enquire - Hastings Enquire - Napier

MARAC Related Information

Schedule of Standard Fees and Charges Applied to Consumer Contracts
https://www.heartland.co.nz/docs/marac/MARAC_Consumer_Fee_Schedule.pdf

Consumer Loan and Security General Terms
https://www.heartland.co.nz/docs/marac/MARAC_Consumer_Loan_and_Security_Terms.pdf

UDC Finance Related Information

Standard fees and charges applicable to Consumer Contracts
https://www.udc.co.nz/tp/download/592210/a7f85df28bb104d33f98375df81ab6eb/20152104004.doc

Standard Contracts / Terms and Conditions
Credit Sale Agreements:
https://www.udc.co.nz/tp/download/592206/519ccfb99be762fe5d7c4f0d964888f3/20152104001.pdf

Terms and Conditions:
https://www.udc.co.nz/tp/download/591259/0ab63058809fb031bde54a0cb7f4789f/terms_and_conditions.pdf

Term Loan and Security Agreement (if applicable):
https://www.udc.co.nz/tp/download/592211/5052d5954a543beb209b69fc896fee28/20152104005.pdf https://www.udc.co.nz/tp/download/592213/c57d61b28a244f6424175c0a78215446/20152104007.pdf

General Information
What should I do if I change my address?
https://www.udc.co.nz/borrowing/customer_service/faqs

What should I do if I have a complaint?
What dispute resolution schemes does UDC belong to and how can I access them?
https://www.udc.co.nz/borrowing/customer_service/complaints

As a borrower, how can I apply for unforeseen hardship relief?
What happens if I default under my agreement including, if relevant, reposession?
https://www.udc.co.nz/borrowing/customer_service/hardship

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