This Vehicle Finance Agreement template is designed for use in New Zealand by financial institutions, vehicle dealers, and lenders providing finance for vehicle purchases. It incorporates all mandatory requirements under New Zealand's consumer credit laws, including the Credit Contracts and Consumer Finance Act 2003, and creates a registrable security interest under the Personal Property Securities Act 1999. The agreement is suitable for both consumer and commercial vehicle financing, containing comprehensive provisions for loan terms, payment schedules, vehicle security, borrower obligations, and enforcement rights. It includes mandatory disclosure requirements, creates clear security interests over the financed vehicle, and incorporates consumer protection provisions required by New Zealand law. This document should be used whenever a lender provides finance for vehicle purchases in New Zealand, whether through direct lending or dealer-arranged financing.
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1. Parties: Identification of the finance provider and the borrower(s), including full legal names and addresses
2. Background: Context of the agreement, including the borrower's request for finance and the lender's agreement to provide it
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules for interpretation
4. Loan Facility: Details of the loan amount, purpose, and conditions precedent to drawdown
5. Interest and Payments: Interest rate, calculation method, payment schedule, and payment mechanisms
6. Security Interest: Creation of security interest over the vehicle and PPSR registration details
7. Vehicle Obligations: Borrower's obligations regarding vehicle maintenance, insurance, and use
8. Representations and Warranties: Borrower's confirmations regarding their financial situation, vehicle ownership, and capacity to enter agreement
9. Events of Default: Circumstances constituting default and consequences thereof
10. Enforcement Rights: Lender's rights and remedies upon default, including repossession procedures
11. General Provisions: Standard contractual terms including notices, amendments, governing law, and dispute resolution
12. Execution: Signing provisions and attestation requirements
1. Guarantor Provisions: Required when there is a guarantor for the loan, setting out guarantor's obligations and rights
2. Insurance Requirements: Detailed section needed for high-value vehicles or commercial use, specifying required insurance types and levels
3. Special Conditions: Used when there are unique terms specific to the particular finance arrangement
4. Early Repayment: Detailed section needed when early repayment terms differ from standard statutory provisions
5. Multiple Borrowers: Required when there are joint borrowers, defining joint and several liability
1. Schedule 1 - Key Information: Required disclosure information under CCCFA including loan amount, interest rate, payments, and fees
2. Schedule 2 - Vehicle Details: Comprehensive vehicle description including make, model, year, VIN, registration number
3. Schedule 3 - Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and principal/interest splits
4. Schedule 4 - Fees and Charges: Comprehensive list of all applicable fees and charges
5. Appendix A - Direct Debit Authority: Direct debit setup form for automatic payments
6. Appendix B - Guarantor Acknowledgment: Required when there is a guarantor, containing specific acknowledgments and confirmations
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Automotive
Banking
Consumer Finance
Vehicle Leasing
Auto Dealerships
Legal Services
Insurance
Relevant Teams
Legal
Finance
Credit
Compliance
Risk Management
Operations
Sales
Documentation
Vehicle Finance
Consumer Lending
Contract Administration
Relevant Roles
Legal Counsel
Finance Manager
Credit Manager
Compliance Officer
Auto Finance Specialist
Contract Administrator
Risk Manager
Lending Officer
Business Development Manager
Credit Analyst
Vehicle Finance Officer
Documentation Specialist
Consumer Lending Manager
Legal Documentation Officer
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