Competitive Commercial Loans

Commercial Loans

Nissan Financial Services offers business solutions specifically designed for sole traders, partnerships and companies which allow for flexible payments to suit your business and cash flow requirements. 

When it comes to choosing a vehicle finance package the options can be endless. We understand that as your business changes so do your financing requirements; we will structure an individual solution that matches your business and personal needs.

Commercial Loan & Security

Developed for businesses that utilise a cash accounting system. This product allows you to claim back the GST on the purchase price of the vehicle on your next GST Return rather than over the life of the loan.

  • Flexible payment structure with or without a balloon allows you to free up cash flow/working capital(1)
  • Highly competitive fixed rate for the term of the loan(2)

(1) Information provided is of a general nature only, it does not constitute, nor should be considered to constitute, legal tax or financial advice. Prior to making a decision about any products or services as described, please consult with your own independent legal tax or financial advisor who can provide you with specific advice pertaining to your personal circumstances.
(2) Subject to Nissan Financial Services lending criteria

Finance Lease

A Finance Lease is a rental agreement offering fixed monthly payments for the period of the contract, with the addition of a residual set at the start of the loan. At the end of the term you can make an offer to purchase, refinance or upgrade to a new vehicle. Benefits include:

  • No restriction on kilometre usage
  • Agreed residual(1) is set at the start of the lease (subject to New Zealand accounting standards)
  • Financial flexibility enabling you to choose the payment terms(1)
  • Ability to free up working capital for the business(2)
  • At the end of your lease period there are a number of options available to you(1), for example:
    - You may be able to extend the lease for a further agreed time
    - You may be able to trade the vehicle in on a new vehicle
    - You may make an offer to purchase the vehicle from us for the residual payout amount

(1) Subject to Nissan Financial Services lending criteria
(2) Information provided is of a general nature only, it does not constitute, nor should be considered to constitute, legal tax or financial advice. Prior to making a decision about any products or services as described, please consult with your own independent legal tax or financial advisor who can provide you with specific advice pertaining to your personal circumstances.

Business Line of Credit

Nissan Financial Services is able to provide a credit limit based on your business’ total vehicle requirements. This streamlines the approval and vehicle acquisition process. All you have to do is purchase vehicles as your business requires, within your pre-set approved limit.