The Auto Finance Contract is a specialized financing agreement used in New Zealand when a customer requires financing to purchase a motor vehicle. It combines elements of consumer credit law, security interests in personal property, and vehicle-specific regulations to create a comprehensive financing arrangement. The document is designed to comply with the Credit Contracts and Consumer Finance Act 2003, Fair Trading Act 1986, and Personal Property Securities Act 1999, among other relevant New Zealand legislation. It includes mandatory disclosure requirements, consumer protections, and detailed terms regarding the vehicle security, maintenance obligations, and payment arrangements. This contract type is essential for financial institutions, vehicle dealers, and other credit providers offering vehicle financing in New Zealand, ensuring all parties' rights and obligations are clearly defined while meeting regulatory requirements.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership聽of your docs
1. Parties: Identifies the finance company (lender), the borrower(s), and any guarantors with their full legal names and addresses
2. Background: Outlines the context of the agreement - that the borrower wishes to purchase the specified vehicle and the lender agrees to provide financing
3. Definitions: Defines key terms used throughout the agreement including 'Vehicle', 'Loan Amount', 'Term', 'Interest Rate', etc.
4. Loan Details: Specifies the principal amount, interest rate, term, and total amount payable as required by CCCFA
5. Payment Terms: Details the payment schedule, frequency, amount, and method of payment
6. Security Interest: Establishes the lender's security interest in the vehicle under the PPSA
7. Vehicle Details: Complete description of the vehicle including make, model, year, VIN, registration number
8. Insurance Requirements: Specifies required insurance coverage and obligations
9. Borrower's Covenants: Details the borrower's obligations regarding vehicle maintenance, use, and restrictions
10. Default and Enforcement: Defines events of default and the lender's enforcement rights
11. General Terms: Standard contract terms including amendments, notices, governing law, and dispute resolution
1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing their obligations and liability
2. Early Repayment: Details early repayment terms and fees if the lender allows early repayment options
3. Balloon Payment: Required when the finance structure includes a final balloon payment
4. Joint Borrowers: Required when there are multiple borrowers, defining joint and several liability
5. Trade-in Details: Required when there is a trade-in vehicle involved in the transaction
6. Additional Security: Required when additional security beyond the vehicle is provided
7. Statement of Right to Cancel: Required for consumer contracts under CCCFA when cooling-off rights apply
1. Schedule 1 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest
2. Schedule 2 - Vehicle Specification: Comprehensive details of the vehicle including accessories, modifications, and condition report
3. Schedule 3 - Disclosure Statement: Initial disclosure statement required under CCCFA including all mandatory disclosure items
4. Schedule 4 - Fee Schedule: Detailed breakdown of all fees and charges applicable to the loan
5. Appendix A - Insurance Requirements: Detailed specification of required insurance coverage and terms
6. Appendix B - Direct Debit Authority: Direct debit setup form for automatic payments
7. Appendix C - Statement of Consumer Rights: Required statement of statutory rights under NZ consumer law
Find the exact document you need
Private Car Payment Agreement
New Zealand-compliant agreement for private vehicle purchase through installment payments, detailing terms, conditions, and security interests.
Download
Legal Financial Agreement Between Two Parties
A New Zealand-governed legal agreement establishing financial arrangements and obligations between two contracting parties.
Download
Diy Loan Agreement
A New Zealand-compliant loan agreement template for establishing legally binding lending terms between parties, suitable for personal or business use.
Download
Employees Loan Agreement
A New Zealand-compliant agreement establishing terms for an employer-provided loan to an employee, including loan amount, repayment terms, and related obligations.
Download
Loan Agreement And Mortgage
A New Zealand-governed agreement combining loan terms with mortgage security provisions, establishing lending conditions and property security arrangements.
Download
Film Equity Investment Agreement
A New Zealand-governed agreement establishing terms for equity investment in film productions, including investment structure, rights, and revenue sharing arrangements.
Download
Intercreditor Deed
A New Zealand law-governed agreement that establishes priorities and rights between multiple creditors of the same debtor, regulating their relationships and enforcement rights.
Download
Litigation Funding Agreement
New Zealand-governed agreement establishing terms for third-party funding of legal proceedings, including funding commitments, returns, and risk allocation.
Download
Loan Payment Agreement
A New Zealand-compliant agreement outlining loan terms, conditions, and repayment obligations between lender and borrower under NZ law.
Download
Loan Participation Agreement
A New Zealand-governed agreement establishing terms for participation interests in loans between lead lenders and participants, defining rights and obligations in loan sharing arrangements.
Download
Agreement For Hire Purchase Of A Motor Vehicle
A New Zealand-compliant agreement for the purchase of a motor vehicle through installment payments, with ownership transferring upon final payment.
Download
Overfacility Agreement
A New Zealand law-governed agreement establishing terms for additional credit facilities beyond existing arrangements.
Download
Loan Agreement Term Sheet
A New Zealand law-governed document outlining the key commercial and legal terms of a proposed loan facility, serving as the basis for the full loan agreement.
Download
Loan Agreement Deed
A New Zealand law-governed deed that documents a lending arrangement, specifying loan terms, obligations, and enforcement rights.
Download
Lease Hire Agreement
A New Zealand-compliant agreement governing the lease of equipment or assets from a lessor to a lessee, including terms for payment, maintenance, and lease termination.
Download
Hire Purchase Agreement For Car
A New Zealand-compliant agreement for purchasing a vehicle through installment payments, with the vendor retaining ownership until final payment.
Download
Deed Of Accession Loan Agreement
A New Zealand law-governed deed enabling a new party to join and be bound by an existing loan facility agreement, including associated rights and obligations.
Download
Co Borrower Loan Agreement
A New Zealand-compliant loan agreement establishing terms and joint liability between a lender and multiple co-borrowers.
Download
Vehicle Payment Plan Agreement
A New Zealand-compliant agreement establishing terms for vehicle purchase through structured payments, including security interests and party obligations.
Download
Trade Finance Agreement
A New Zealand-governed agreement establishing terms for trade financing facilities between a financial institution and a trading business.
Download
Separation Financial Agreement
A legally binding agreement under New Zealand law that outlines the division of assets and financial obligations between separating couples.
Download
Promissory Loan Agreement
A New Zealand law-governed agreement establishing loan terms between lender and borrower, including amount, interest, repayment schedule, and legal obligations.
Download
Financial Support Agreement
A New Zealand law-governed agreement establishing terms and conditions for providing financial support between parties, including payment terms, security arrangements, and regulatory compliance requirements.
Download
Financial Agreement Between Two Parties
New Zealand-compliant financial agreement template establishing terms and conditions for financial arrangements between two parties.
Download
Contract For Personal Loan
A New Zealand-compliant personal loan agreement that establishes lending terms and conditions while meeting CCCFA requirements.
Download
Auto Finance Contract
A New Zealand-compliant agreement for vehicle purchase financing, establishing loan terms and security interests under NZ consumer credit laws.
Download
Master Loan And Security Agreement
A New Zealand law-governed agreement establishing terms for lending facilities and associated security arrangements between a lender and borrower.
Download
Tri Party Loan Agreement
A New Zealand law-governed agreement establishing a three-party loan arrangement, defining loan terms and party obligations.
Download
Modification Of Loan Agreement
A New Zealand-compliant legal document that modifies the terms of an existing loan agreement between parties, subject to NZ financial services regulations.
Download
Small Business Loan Agreement
A New Zealand-governed agreement establishing terms and conditions for a financial institution to provide loan funding to a small business entity.
Download
Binding Loan Agreement
A New Zealand-compliant legal agreement establishing terms and conditions for a loan between a lender and borrower, including repayment obligations and security arrangements.
Download
Monthly Payment Plan Agreement
A New Zealand-compliant agreement establishing terms for structured monthly payments between a provider and customer.
Download
Floor Plan Financing Agreement
New Zealand-governed agreement for inventory financing between a financial institution and dealer, establishing credit terms and security arrangements under local law.
Download
Deed Of Trust Loan Agreement
A New Zealand-governed legal instrument that establishes a trust structure for managing loan arrangements, defining relationships between lenders, borrowers, and trustees.
Download
Business Seller Financing Agreement
A New Zealand law-governed agreement establishing terms for seller financing in a business sale, including payment terms, security arrangements, and enforcement provisions.
Download
Sales Agreement With Payment Plan
A New Zealand-governed agreement for the sale of goods or services with structured payment terms, combining sales and credit arrangement provisions.
Download
Simple Interest Loan Agreement
New Zealand-compliant loan agreement template using simple interest calculation, suitable for various lending scenarios under NZ law.
Download
Lease To Own Agreement For Vehicle
A New Zealand-compliant agreement enabling vehicle lease with an option to purchase, structured under NZ finance and consumer protection laws.
Download
Third Party Loan Agreement
A New Zealand-governed agreement setting out terms and conditions for a third-party loan, including loan amount, interest, repayment terms, and security arrangements.
Download
Loan Syndication Agreement
A New Zealand law-governed agreement establishing terms for a syndicated loan facility where multiple lenders collectively provide financing to borrowers.
Download
骋别苍颈别鈥檚 Security Promise
Genie is the safest place to draft. Here鈥檚 how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; 骋别苍颈别鈥檚 AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it