MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Operating Leases vs Financing Leases - The Definitive New Zealand Guide

Our guide explains operating and financing leases and compares and contrasts the key differences and similarities. We outline why you would pick one lease over the other, top facts you need to know and the most frequently asked questions business owners and accountants across New Zealand ask. We also list several trusted financing lease and operating lease companies.
Operating Leases vs Financing Leases NZ
Updated 8 December 2024
Summary:
  • ​Leasing is a common method for individuals and businesses to obtain the use of a particular asset, such as a vehicle or piece of equipment, without the need to purchase it outright.
  • New Zealand has two main types of leases: operating leases and financing leases. Understanding the key differences between these two types of leases is important for anyone considering leasing an asset, as the type of lease chosen can have significant financial and tax implications.
  • If you are looking to compare different leasing options, we suggest the best approach is to obtain quotes and carefully consider each lease's term length, the asset's expected useful life, the ongoing costs and the lease's terms before making a decision. The more options you can compare for a specific vehicle, piece of equipment or machinery, the stronger your ability to negotiate.

Our guide covers:
  • ​Defining Operating and Financing Leases
  • What are the Main Similarities and Differences Between Operating Leases and Financing Leases?
  • Must-Know Facts to Consider When Taking Out Operating and Financing Leases in New Zealand
  • Frequently Asked Questions
  • Operating Lease Companies and Financing Lease Companies in New Zealand

Important: This guide provides general information only. For specific advice around a finance or operating lease, please speak to an accountant to ensure that your decision is suitable and tax-effective for your business. Our guides to Financing Leases and Operating Leases have more general information. 

Know This: Our guide to business vehicle finance options compares options if you're considering options for a car, truck or van.

Is Your Business Looking for a Loan to Fund an Asset Purchase? Avoid high-interest rates and high fees with our top ​two trusted business lenders:
  • Our business loan research highlighted two leading business lenders that undercut the established competition with fairer interest rates and fees to qualifying business borrowers and a genuine willingness to lend.
  • We suggest contacting Prospa and Bizcap (in that order) to see what interest rate they will offer.
  • Applying takes only a few minutes for each site. There is no obligation to accept any loan offer. However, be aware that the advertised interest rate is not guaranteed, and your credit score may, in some cases, be affected if you routinely apply for loans.
  • The more you compare and enquire (without paying any application fee), the better your chances of finding the best deal. Not all business loans are affordable - make sure you know your options by comparing the market widely.
  • Remember, the interest rate you agree to now makes a huge difference when you repay the loan week after week.
  • Advertising Disclosure: We may receive a commission if you take out a loan, but this does not influence our shortlist or comparison data. Interest rates vary based on each borrower, and assessment times vary.
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MoneyHub Founder

Prospa Business Loans NZ
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Operating Leases vs Financing Leases Defined NZ

Defining Operating and Financing Leases

What is an operating lease?

An operating lease is a loan model where the lessor (the owner of the asset) retains ownership of the asset, and the lessee (the person or business using the asset) has the right to use the asset for a specified period in exchange for regular payments. The lessee has no ownership rights in the asset and is not responsible for maintenance or repair costs. Once the lease term ends, the lessee must return the asset to the lessor.

Operating leases are typically used for assets with a shorter useful life or for assets expected to depreciate significantly over time. Examples of assets commonly leased through operating leases include vehicles, office equipment, and machinery.

More Information: Visit our definitive guide to operating leases which includes key terminology, characteristics, pros and cons and costs. We also cover vehicle leasing in a dedicated guide.

What is a financing lease?

A financing lease, also known as a capital lease, is a type of lease in which the lessor transfers ownership of the asset to the lessee once the lease ends. The lessee makes regular, consistent payments to the lessor over the lease term and, at the end of the term, has the option to purchase the asset for a predetermined price or return it to the lessor.

Financing leases are typically used for assets with a longer useful life or for assets expected to appreciate over time. Examples of assets commonly leased through financing leases include real estate, aircraft, and large manufacturing equipment.

Check out our definitive guide to financing leases (including the key terminology, characteristics, pros and cons). 

Operating Leases vs Financing Leases - Similarities and Differences NZ

What are the Main Similarities and Differences Between Operating Leases and Financing Leases?

​Operating leases and financing leases are common methods for obtaining the use of an asset without purchasing it outright. Still, they have some important differences that can have significant financial and tax implications.

Firstly, the similarities between the two types of leases include:
  • Both leases involve the lessee's use of an asset in exchange for regular payments to the lessor.
  • Both leases also typically require the lessee to pay for insurance and taxes on the asset during the lease term.

Differences include:

1. Ownership of the asset.

​One of the main differences between operating leases and financing leases is asset ownership. In an operating lease, the lessor retains ownership of the asset, and the lessee has no ownership rights. In a financing lease, the lessor transfers ownership of the asset to the lessee at the end of the lease term.

2. Lease term.

​Another difference is the length of the lease term. Operating leases tend to have shorter terms than financing leases, as the assets being leased are expected to have a shorter useful life. On the other hand, financing leases tend to have longer terms as the assets being leased are expected to have a longer useful life.

3. Lease payment structure.

​How the lease payments are structured is also different between operating leases and financing leases. In an operating lease, the payments are typically structured to cover only the lessor's cost of providing the asset to the lessee, plus a profit margin. In a financing lease, the payments are structured to cover the full cost of the asset plus a profit margin.

Why Would You Take Out an Operating Lease Rather than a Financing Lease?

​There are a few key reasons why a business might choose to take out an operating lease rather than a financing lease:

1. Short target lease length.

​One reason is that operating leases tend to have shorter terms than financing leases, which can benefit businesses that expect to upgrade or replace the asset soon. Operating leases also tend to have lower upfront and ongoing costs, as the lessee is not responsible for purchasing the asset.

2. Lower eligibility criteria.

​Another reason to choose an operating lease is that it can be easier to qualify for an operating lease, as the lessee is not required to put up a large down payment or collateral as they would with a financing lease. This flexible eligibility can be especially beneficial for startups or small businesses that may not have a lot of capital available.

3. More flexibility.

​Finally, operating leases can also be more flexible than financing leases. For example, many operating leases allow the lessee to terminate or extend the lease if needed. In contrast, financing leases often have more strict terms that cannot be altered.

Operating Leases vs Financing Leases Facts NZ

Must-Know Facts to Consider When Taking Out Operating and Financing Leases in New Zealand

​There are a few other things to keep in mind when taking out an operating lease or a financing lease in New Zealand to make the right decision for your business needs and cashflow:

1. Consider the lease term's length and the asset's expected useful life.

  • When deciding between an operating lease and a financing lease, it's important to consider the lease's length, the asset's expected useful life, the lease's terms, and the tax implications. If you expect to upgrade or replace the asset soon, an operating lease may be a better option.
  • Operating leases have shorter terms and are typically used for assets with a shorter useful life, such as computers or vehicles.
  • On the other hand, if the asset has a longer useful life and you expect to keep it for a longer period, a financing lease may be a better option.
  • Generally, financing leases have longer terms and are typically used for assets with a longer useful life, such as real estate or machinery.

2. Review the terms of the lease BEFORE committing to it.

  • It's also important to understand the lease terms, including the amount and frequency of the payments, and any early termination or extension provisions. Make sure you fully understand the lease terms before signing anything to ensure that it meets your needs and budget.
  • For example, make sure you know the length of the term, the amount and frequency of the payments, and any early termination or extension provisions. It's also a good idea to have the lease terms reviewed by a qualified professional, such as a lawyer, to ensure that you are fully aware of your rights and obligations.

3. Consider the tax implications of the lease.

  • If the lease is classified as a financing lease for tax purposes, you may be able to claim depreciation and interest as business expenses.
  • This deductibility can be a significant benefit, but it's important to consult with a qualified tax professional or the Inland Revenue Department (IRD) to understand the tax implications of the lease before making a decision.
  • The IRD has published guidance on the tax treatment leases to help explain what is and isn't deductible.

4. Compare and contrast different lease options from different lessors.

  • ​It's a good idea to shop around and compare offers from different lessors to ensure you get the best deal. Take the time to research different options and negotiate the lease terms to get the most favourable terms possible.

5. Make sure to understand the relevant legislation underpinning leases in New Zealand.

  • It's important to be aware of the Consumer Guarantees Act and the Fair Trading Act, which provide protections for lessors and lessees.
  • These laws set out the rights and obligations of the parties in a lease agreement and can help to ensure that the lease is fair and transparent.

6. Keep track of all the relevant documentation for potential inquiries from Inland Revenue (IRD).

  • ​Be sure to keep accurate records of all lease payments and any maintenance or repair work done on the asset during the lease term. These records can be useful for tax purposes and can also help you track the asset's performance.

Is Your Business Looking for a Loan to Fund an Asset Purchase? Avoid high-interest rates and high fees with our top ​two trusted business lenders:
  • Our business loan research highlighted two leading business lenders that undercut the established competition with fairer interest rates and fees to qualifying business borrowers and a genuine willingness to lend.
  • We suggest contacting Prospa and Bizcap (in that order) to see what interest rate they will offer.
  • Applying takes only a few minutes for each site. There is no obligation to accept any loan offer. However, be aware that the advertised interest rate is not guaranteed, and your credit score may, in some cases, be affected if you routinely apply for loans.
  • The more you compare and enquire (without paying any application fee), the better your chances of finding the best deal. Not all business loans are affordable - make sure you know your options by comparing the market widely.
  • Remember, the interest rate you agree to now makes a huge difference when you repay the loan week after week.
  • Advertising Disclosure: We may receive a commission if you take out a loan, but this does not influence our shortlist or comparison data. Interest rates vary based on each borrower, and assessment times vary.
Prospa
BizCap
Picture
Christopher Walsh
MoneyHub Founder

Prospa Business Loans NZ
BizCap Business Loans NZ

Operating Leases vs Financing Leases FAQs NZ

Frequently Asked Questions

Can I negotiate the terms of an operating or financing lease?

​Yes, it's often possible to negotiate the terms of an operating or financing lease, including the length of the term, the amount and frequency of the payments, and any early termination or extension provisions.

Can I return the asset early in an operating or financing lease?

​It depends on the terms of the lease. Some operating leases allow for early termination, while others do not. Financing leases are generally less flexible and may not allow for early termination.

Can I purchase the asset at the end of an operating lease?

​Generally, no. In an operating lease, the lessee doesn't have any ownership rights in the asset and must return it to the lessor at the end of the lease term (unless a buyout provision is included in the operating lease agreement). In a financing lease, the lessee can likely purchase the asset at the end of the lease term for a predetermined price.

Who's responsible for maintaining and repairing the asset in an operating or financing lease?

​In an operating lease, the lessor is typically responsible for maintaining and repairing the asset during the term of the lease. In a financing lease, the lessee is typically responsible for maintaining and repairing the asset.

Can I claim depreciation on the asset if I have an operating or financing lease?

If the lease is classified as a financing lease for tax purposes, the lessee may be able to claim depreciation on the asset. However, the lessee cannot typically claim depreciation in an operating lease.

Can I claim the interest on the lease payments as a business expense if I have an operating lease or a financing lease?

​If the lease is classified as a financing lease for tax purposes, the lessee may be able to claim the interest on the lease payments as a business expense. However, the lessee cannot typically claim the interest as a business expense in an operating lease.

How does the New Zealand Inland Revenue Department determine whether a lease is classified as an operating lease or a financing lease for tax purposes?

The IRD has specific guidelines for determining whether a lease is classified as a financing or an operating lease for tax purposes. Generally, the IRD will
  • use NZ IFRS 16 as a guideline to classify leases. For more
  • details on the interpretation and tax treatment of operating and financing leases, check out the IRD's guidance here and further techical notes here.   

Do the same laws in New Zealand govern operating leases and financing leases?

​Yes, operating leases and financing leases are governed by the Consumer Guarantees Act (CGA) and the Fair Trading Act (FTA) in New Zealand, which provide protections for lessors and lessees.

Can I negotiate the tax treatment of an operating lease or a financing lease?

It may be possible to negotiate the tax treatment of an operating or financing lease with the lessor. Still, the final determination of the tax treatment of the lease will be made by the IRD based on the specific terms of the lease and the applicable tax laws. Therefore, it's always a good idea to consult with a qualified tax professional or the IRD to understand the tax implications of a lease before entering into it.

Can I finance the purchase of an asset through an operating lease or a financing lease?

Both operating leases and financing leases can be used to finance the use of an asset. However, it’s much more common for financing leases to be used as a way to finance and purchase an asset compared to operating leases. This is because:
  • In a financing lease, the lessee makes regular payments to the lessor over the term of the lease and, at the end of the term, has the option to purchase the asset for a predetermined price or return it to the lessor.
  • In an operating lease, the lessee makes regular payments to the lessor in exchange for the right to use the asset for a specified period but does not have the option to purchase the asset at the end of the lease term.

Can I negotiate the asset's purchase price at the end of a financing lease?

The asset's purchase price at the end of a financing lease is typically predetermined in the terms of the lease agreement. It may be possible to negotiate the purchase price with the lessor, but it's important to carefully review the terms of the lease before entering into it to ensure that you are aware of the final purchase price.

Can I use an operating or financing lease to lease a vehicle?

​Both operating leases and financing leases can be used to lease a vehicle. In an operating lease, the lessor retains ownership of the vehicle, and the lessee has the right to use it for a specified period in exchange for regular payments. In a financing lease, the lessor transfers ownership of the vehicle to the lessee once the lease term ends, and the lessee makes regular payments to the lessor over the lease term.

Our guide to vehicle leasing has more information to help you make an informed decision.

Can I use an operating or financing lease to lease office equipment or machinery?

Operating and financing leases can both be used to lease office equipment or machinery. In an operating lease, the lessor retains ownership of the asset, and the lessee has the right to use it for a specified period in exchange for regular payments. In a financing lease, the lessor transfers ownership of the asset to the lessee at the end of the lease term, and the lessee makes regular payments to the lessor over the lease term.

Operating Lease Companies NZ

Popular Operating Lease Companies in New Zealand

​It's important to note that most companies listed below offer to operating and financing lease options. Most of these companies do not disclose their interest rates and terms, as these will vary depending on the type of asset, the duration of the lease and the number of assets being leased.
Lease Plan - Operating Leases vs Financing Leases

LeasePlan

LeasePlan is a global leader in vehicle leasing with a strong presence in New Zealand. They offer operating leases for cars, trucks, and other vehicles, and their lease terms range from 12 to 60 months. LeasePlan's operating lease fees are competitive and transparent, and their operating lease interest rates are based on the asset being leased and the length of the lease term. LeasePlan is known for its wide range of leasing options and reliable customer service.

Website: LeasePlan

Fleet Partners - Operating Leases vs Financing Leases

FleetPartners

FleetPartners is a leading provider of operating leases for vehicles. They offer a range of operating lease terms to suit the needs of their clients, and their operating lease fees are competitive and transparent. FleetPartners is known for its wide range of vehicle leasing options and reliable customer service.

Website: FleetPartners

Lease Direct - Operating Leases vs Financing Leases

LeaseDirect

LeaseDirect offers operating leases for various assets, including cars, trucks, machinery, and equipment. They have a variety of operating lease terms available, ranging from 12 to 60 months, and their operating lease fees are competitive and transparent. In addition, LeaseDirect is known for its responsive customer service and easy-to-use online application process.

Website: LeaseDirect

Finance NZ - Operating Leases vs Financing Leases

Finance New Zealand

Finance New Zealand is a leading provider of equipment leases, focusing on providing leases for a wide range of assets, including machinery, equipment, and vehicles. Finance New Zealand is known for their wide range of leasing options and reliable customer service.

In addition to equipment leases, Finance New Zealand offers various other financial services, including business loans and vehicle finance. They pride themselves on providing personalised service and tailored financial solutions to help their clients achieve their business goals.

​Website: Finance New Zealand

Flexi Group - Operating Leases vs Financing Leases

FlexiGroup

FlexiGroup is a financial services company that offers operating leases for various assets, including cars, trucks, machinery, and equipment. They have a variety of operating lease terms available, ranging from 12 to 60 months, and their operating lease fees are competitive and transparent.

Website: FlexiGroup

Finance HQ - Operating Leases vs Financing Leases

Finance HQ

​Finance HQ is a leading asset finance provider focusing on financing a wide range of assets, including machinery, equipment, and vehicles. In addition to asset finance, Finance HQ offers various other financial services, including business loans, vehicle finance and equipment finance.

Website: Finance HQ

Is Your Business Looking for a Loan to Fund an Asset Purchase? Avoid high-interest rates and high fees with our top ​two trusted business lenders:
  • Our business loan research highlighted two leading business lenders that undercut the established competition with fairer interest rates and fees to qualifying business borrowers and a genuine willingness to lend.
  • We suggest contacting Prospa and Bizcap (in that order) to see what interest rate they will offer.
  • Applying takes only a few minutes for each site. There is no obligation to accept any loan offer. However, be aware that the advertised interest rate is not guaranteed, and your credit score may, in some cases, be affected if you routinely apply for loans.
  • The more you compare and enquire (without paying any application fee), the better your chances of finding the best deal. Not all business loans are affordable - make sure you know your options by comparing the market widely.
  • Remember, the interest rate you agree to now makes a huge difference when you repay the loan week after week.
  • Advertising Disclosure: We may receive a commission if you take out a loan, but this does not influence our shortlist or comparison data. Interest rates vary based on each borrower, and assessment times vary.
Prospa
BizCap
Picture
Christopher Walsh
MoneyHub Founder

Prospa Business Loans NZ
BizCap Business Loans NZ

Financing Lease Companies NZ

Popular Financing Lease Companies in New Zealand

Lease Plan - Operating Leases vs Financing Leases

LeasePlan

LeasePlan is a New Zealand-based company that offers financing leases for many assets, including cars, trucks, machinery, and equipment. They have a variety of financing lease terms available, ranging from 12 to 60 months, and their financing lease fees are competitive and transparent.

Website: 
LeasePlan

Flexi Lease - Operating Leases vs Financing Leases

FlexiLease

FlexiLease is a leading provider of financing leases in New Zealand, focusing on providing leases for vehicles, machinery, and equipment. They offer a range of financing lease terms to suit the needs of their clients, and their financing lease fees are competitive and transparent. FlexiLease is known for its wide range of leasing options and reliable customer service.

Website: FlexiLease

eLeasing - Operating Leases vs Financing Leases

eLeasing

eLeasing New Zealand is a leading provider of financing leases in New Zealand, focusing on providing leases for vehicles, machinery, and equipment. They offer a range of financing lease terms to suit the needs of their clients, and their financing lease fees are competitive and transparent.

In addition to financing leases, eLeasing New Zealand offers various other financial services, including business loans and equipment finance. They pride themselves on providing personalised service and tailored financial solutions to help their clients achieve their business goals.

Website: eLeasing

Interleasing - Operating Leases vs Financing Leases

Interleasing New Zealand

Interleasing New Zealand is a leading provider of financing leases in New Zealand, focusing on providing leases for vehicles, machinery, and equipment. They offer a range of financing lease terms to suit the needs of their clients, and their financing lease fees are competitive and transparent.

In addition to financing leases, Interleasing New Zealand offers various other financial services, including business loans, equipment finance, and vehicle finance. They pride themselves on providing personalised service and tailored financial solutions to help their clients achieve their business goals.

Website: Interleasing New Zealand

Custom Fleet - Operating Leases vs Financing Leases

Customfleet

Customfleet New Zealand is a leading provider of equipment leases in New Zealand, focusing on providing leases for a wide range of assets, including machinery, equipment, and vehicles. They offer a range of equipment lease terms to suit the needs of their clients, and their equipment lease fees are competitive and transparent.

In addition to equipment leases, Customfleet New Zealand also offers various other financial services, including business loans, vehicle finance, and fleet management services. They pride themselves on providing personalised service and tailored financial solutions to help their clients achieve their business goals.

Website: Customfleet

Related guides:
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Reviews
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Money Habits Keeping You in the Rat Race
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      • Stealth Wealth
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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