Vehicle leasing NZ – keep your fleet moving
Need a single ute for a tradie or 30 vans for a nationwide rollout? Real Finance structures vehicle leasing plans that free capital, lock in predictable costs and keep drivers on the road—fast.
Operating lease – no residual risk
Hand back the vehicle at term-end and walk away. Rentals are usually 100% tax-deductible¹, off your balance sheet, and you never worry about resale values. Choose a full-maintenance package or control servicing yourself—either way your monthly cost stays fixed.
- Rentals are 100% tax-deductible¹ and off the balance sheet – great for cash flow.
- Lender takes the residual risk – hand the vehicle back at term-end, no disposal hassles.
- Drive a modern fleet with no significant upfront cost or deposit.
- Fixed monthly lease payments simplify budgeting.
- Leverage our volume-buying power for sharper pricing, servicing and tyres.
- Optional full-maintenance package – we handle rego, WOF and servicing.
Finance lease – lease-to-own flexibility
Prefer to own long-term? A finance lease lets you set the deposit (if any) and balloon. Pay fixed rentals, then take title by settling the balloon or refinancing. Perfect for specialist utes or trucks you want to keep beyond three years.
- Flexible costs – set deposit, balloon and rental to suit your business.
- Choose fully maintained or control servicing in-house.
- Fund anything from passenger cars to heavy commercials, plus accessories and fit-outs.
- Tap dealer-network buying power for best price and service.
- No large upfront outlay; enjoy easy, regular finance lease payments
Used-vehicle lease – save upfront, still drive reliable
Quality ex-lease cars and vans, fully serviced and warrantied. Lower rentals mean easier cash flow while still giving staff modern, safe vehicles. A smart choice when budgets are tight but presentation matters.
Quality ex-lease vehicles that have been regularly serviced.
Lower monthly lease payments and reduced FBT.
Zero upfront capital tied up; optional full-maintenance package
Sale & Leaseback – Unlock Fleet Capital Fast
Already own a fleet? We’ll buy your vehicles and lease them straight back so you bank the cash while drivers keep rolling. Release capital for marketing, stock or debt reduction—without disrupting operations.
- Instant cash injection while staff keep driving the same vehicles.
- Lease back on agreed terms and rates; upgrade when it suits.
- Offload disposal risk, admin burden and fleet expenses to an expert partner.
- Benefit from our servicing know-how and bulk-buy maintenance rates.
- FBT calculated on our (lower) purchase price, not the vehicle’s original RRP.
How lease payments & terms work
- Term: pick 24, 36, 48 or 60 months.
- Mileage: nominate annual kilometres; we price for your exact usage.
- Fixed monthly payment: rate is locked day one—no surprises.
- Maintenance choice: add tyres, servicing and rego, or manage them in-house.
- End-of-term: upgrade, extend, buy, or walk away (operating lease).
Not sure which combo fits? Use our car lease calculator to test terms and km bands, then request a firm quote.
Vehicle leasing NZ – easy as 1, 2, 3
1. Lease application
Fill in our 5-minute fleet form, or call 0800 21 21 21 to discuss the vehicles, term and mileage you need.
2. Review & quote
Within 60 minutes we crunch the numbers—confirming fixed monthly lease payment, maintenance option and any accessories—so you know the plan is fit for purpose and affordable.
3. Sign & drive
E-sign the agreement, then we order or release the vehicles. Delivery—or pickup—can happen in just a few days, so your team stays on the road.
Once your lease is approved, we handle the paperwork, explain every term clearly and activate the payment schedule—no surprises, just keys in hand.
“We had need for newer vehicles in our aging fleet, but not the capital required to buy outright at that time. Real Finance helped advise and then broker a deal for four late model vehicles, keeping our employees happy and our brand presence looking sharp on the job site. This definitely led to future contract opportunities.”
Frequently asked questions
Is vehicle leasing cheaper than buying?
Often yes—fleet discounts plus fixed rentals can beat loan repayments and ownership costs.
Do you offer novated leasing?
Novated leases aren’t common in NZ salary packages; instead we tailor operating or finance leases that give similar cost certainty for employers and staff.
What happens if I exceed agreed kilometres?
We can adjust the contract mid-term or charge a simple cents-per-km wash-up at the end—no hidden penalties.
Can I include fit-outs and branding?
Absolutely—tow bars, racking, sign-writing and tech can be bundled into the lease payment.
Can I upgrade early?
Yes—talk to us about trading in mid-term or restructuring the lease to refresh sooner.
We’re here to help
Have more questions about our NZ loans, credit checks, or loan options? Contact our team for personalised support.
