Van Finance
Whether it is a single van for a new trade business or three more for a growing one, a van is bought to earn from the day it arrives. Dynamic Finance arranges van finance across every major brand, for new and used vehicles bought through a dealer, privately or at auction.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Van Finance with Dynamic Finance
No manufacturer targets. We work for you, not dealership sales quotas.
Fit-out, shelving and signwriting can usually be financed alongside the van itself where the deal supports it, so the vehicle goes to work ready rather than in stages.
Choosing Dynamic Finance means working with a finance partner focused solely on helping you into the van you need, without compromise. All finance is subject to lender assessment and approval.
Experience the Dynamic Finance difference. From competitive rates to tailored terms, we make financing your van simple, transparent and stress-free. Apply online now or contact us for a personalised consultation.
What we will need from you
For a business purchase we usually need your IRD number, recent GST returns or financials, and details of the truck. If you are an owner-operator without a full set of accounts, say so - several of our lenders assess on contract income and bank statements instead, and we will point your application at them rather than at the ones that will decline it.
If you are refinancing an existing truck to free up working capital, we can look at that at the same time.
Common questions
Can I finance the fit-out as well as the van?
Usually. Shelving, racking, signwriting and refrigeration can often be financed alongside the vehicle where the deal supports it, so the van goes to work ready rather than being fitted out later.
Is a van financed differently if it is for business?
It can be. A vehicle earning income may be assessed on business terms rather than consumer terms, which affects both the structure and the tax treatment. Your accountant is the right person on the tax side, and we will tell you which finance structures are available.
Can I finance a used or imported van?
Yes. Imported vans are common in New Zealand and some lenders price them differently to locally-new stock. We take your application to the ones that assess the vehicle on condition rather than on where it came from.
Broker or dealer finance?
Dealer finance is one lender with a target to hit. We are not.
Dynamic Finance
Working for you
- We take one application to a panel of lenders
- No manufacturer sales targets to meet
- Structures built around a working asset
- Refinance and balloon options considered
- We tell you the outcome either way
Dealer finance
Working for the dealership
- One lender, take it or leave it
- Rate tied to the sale, not to you
- Terms set to suit the deal on the floor
- Refinancing rarely on the table
- Pressure to sign on the day
How it works
Tell us about the truck
Make, model, age, hours or kilometres, and what it will be doing.
We take it to the right lenders
Not every lender understands commercial vehicles. We go to the ones that do.
Approved and earning
Documents to sign, settlement with the seller, and the truck starts paying for itself.
Get the truck sorted
Tell us what you are buying and what it will be doing, and we will come back with real options - usually the same day.