Forklift Finance
A forklift is one of those purchases that only becomes urgent when the old one stops. Dynamic Finance arranges forklift finance across every major brand - Toyota, Crown, Hyster, Linde, Mitsubishi and more - for new and used machines bought from a dealer, privately or at auction.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Forklift Finance with Dynamic Finance
No manufacturer targets. We work for you, not a dealer’s sales quota.
Materials handling equipment is usually bought to solve a problem this week, so we move quickly and structure terms against the working life of the machine rather than the calendar.
Experience the Dynamic Finance difference. From competitive rates to tailored terms, we make financing your forklift simple, transparent and stress-free. Apply online now or give us a call for a personalised consultation.
Seasonal and irregular income
Farming and contracting income does not arrive in twelve equal instalments, and finance priced as though it does puts pressure on exactly the months that are already tight.
Several of our lenders will structure repayments around a season, a harvest or a contract, including deferred first payments and irregular schedules. If your income is lumpy, tell us when it actually lands and we will work to that rather than to a calendar.
Common questions
Is machinery assessed on age or hours?
Hours and condition, far more than age. A well-maintained older machine with service records often finances better than a newer one with an unknown history, which surprises people who expect the year to decide it.
Can I get finance approved before a clearing sale?
Yes, and you should. Having an approval in place before you bid is the difference between buying and watching, and it means you know your ceiling rather than discovering it afterwards.
My income is seasonal. Does that rule me out?
No. Seasonal and contract income is normal in New Zealand agriculture and several of our lenders assess on annual turnover rather than the last three months. That matters a great deal if you happen to apply during a quiet part of the year.
What sets us apart
Financing through us means independence, transparency and a person who answers the phone - instead of a finance desk with targets to hit.
Dynamic Finance
An independent broker working for you
- A panel of lenders, so the options compete for your business.
- Rates and terms matched to your situation, not one lender's product sheet.
- One adviser from application through to payout.
- Private and dealer purchases handled the same way.
Dealership finance
The finance desk down the hall
- Usually one lender, or a small panel you never see.
- Finance margin is part of the deal being negotiated.
- Handed between salesperson, finance manager and lender.
- Tied to the vehicle on their lot.
How it works
Tell us about the machine
Make, model, hours, and whether it is coming from a dealer, privately or a clearing sale.
We structure it around your season
Repayments matched to when the money actually comes in, not to a standard schedule.
Settled and working
We deal with the seller or the auction house directly so the machine can start earning.
Get the machine working
Tell us what you are buying and when your income lands, and we will structure something that fits.