Finance Your Future

Custom Packages

Not only does our finance team help you with purchasing from our dealerships, we also extend our services to your other endeavors; car, boat, caravan, you name it. Whether you are purchasing a new or used vehicle from a dealership, want to re-finance an existing vehicle, are looking to buy privately, online or at auction; we can help.

Credit Sale Agreement

A Credit Sale Agreement means you can drive your car home today. It’s simple to set up and you can make sure your repayments are in easy installments. And once the last payment is made, the car’s yours. The interest rate is fixed for the term of the agreement so you’ll always know exactly where you stand. You can also structure your payments to suit your needs – either monthly or scheduling payments to match your cash flow. If you’re GST registered you could also claim back the GST. Just make a lump sum payment that coincides with your GST refund, and you’ll reduce your interest costs over the life of your agreement.

Lease Agreement

If you’re buying your car for business, a Finance Lease could be a great option. Basically, we buy the car and lease it to you – the lease payments are based on the total cost of the car, less the agreed residual value you’ll pay at the end of the term. There are no up-front costs and the fixed installments for the term of the lease will make cash flow planning easy. If you’re GST registered, you’ll be able to recover the GST on your lease payments throughout the life of your loan. At the end of the lease term, if we sell the car for more than the assumed residual value, you get the excess. If we have to sell it for less, you’ll need to make up the difference.

Operating lease

A Fully-Maintained Operating Lease is a business only finance package and means you can avoid the hassle of managing costs and the on-going maintenance of your vehicle/s. With a low initial outlay and fixed monthly rentals, you can transfer your fleet off the balance sheet and release capital back into your business. You’ll also be able to remove the risk around residuals and budget with certainty. As each lease nears its expiration date, you can choose from a range of options – upgrade to a newer model, extend the current lease, or simply return the vehicle and take out a new one. Terms for passenger vehicles are from 6 to 45 months; for commercial vehicles, the maximum tenure is 60 months. Operating Lease payments are normally fully tax deductible and you can claim the GST.

A Non-Maintained Operating Lease is a simple, cost-effective alternative. Rather than a business loan or equity funding, this lease option allows you to transfer the value of your fleet off your balance sheet. This releases precious capital back into your business, increases cash flow and converts your fleet to an ongoing operating expense. When your lease period is nearly finished, simply choose from a range of options: upgrade to a newer model, extend your current lease or return the vehicle. In addition, operating lease payments are normally fully tax deductible and you can claim the GST.

Hyundai Venue 1.6 $69 per week

TERMS & CONDITIONS

RRP $29,990, deposit $9,500, borrow $20,851.35 (including fees). Pay $69.45 a week over a four-year term and one final balloon payment (the Assured Future Value) of $12,148.95. Total loan repayments $26,525.10. The total amount payable including deposit is $36025.10. A special fixed interest rate of 8.50% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs ($1195 payable on ordering), lease, government and rental purchases two-tone & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Hyundai Venue 1.6 Elite $79 per week

TERMS & CONDITIONS

RRP $33,990, deposit $11,000, borrow $23,351.35 (including fees). Pay $79.13 a week over a four-year term and one final balloon payment (the Assured Future Value) of $13,456.64. Total loan repayments $29,836.55. The total amount payable including deposit is $40,836.55. A special fixed interest rate of 8.50% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs($1195 payable on ordering), lease, government and rental purchases two-tone & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Hyundai Staria Load Automatic No Deposit $169 per week

TERMS & CONDITIONS

RRP $62,990, no deposit, special price/ borrow $52,013.15 (including fees). Pay $169.05 a week over a four-year term and one final balloon payment (the Assured Future Value) of $30,235.20. Total loan repayments $65,228.55. A special fixed interest rate of 7.95% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs ($1195 payable on ordering), lease, government and rental purchases & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Hyundai Kona 2.0 2WD Elite $98 per week

TERMS & CONDITIONS

RRP $39,990, deposit $10,000, borrow $29,351.35 (including fees). Pay $98.35 a week over a four-year term and one final balloon payment (the Assured Future Value) of $18359.41. Total loan repayments $38,717.86. The total amount payable including deposit is $48717.86. A special fixed interest rate of 8.50% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs($1195 payable on ordering), lease, government and rental purchases two-tone & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Hyundai Tucson 2.0 2WD Active $135 per week

TERMS & CONDITIONS

RRP $49,990, deposit $12,000, borrow $38,351.35 (including fees). Pay $135.63 a week over a four-year term and one final balloon payment (the Assured Future Value) of $20,400.92. Total loan repayments $48,476.33. The total amount payable including deposit is $60476.33. A special fixed interest rate of 8.50% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs ($1195 payable on ordering), lease, government and rental purchases two-tone & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Hyundai Kona 1.6 GDi T N-Line AWD Elite $125 per week

TERMS & CONDITIONS

RRP $49,990, deposit $12,000, borrow $38,351.35 (including fees). Pay $125.28 a week over a four-year term and one final balloon payment (the Assured Future Value) of $22,950.41. Total loan repayments $48,883.37. The total amount payable including deposit is $60,883.37. A special fixed interest rate of 8.50% applies. At the end of the term, you can choose to keep the vehicle, by paying the Assured Future Value, or trade it or return it (subject to maximum total mileage of 40,000 kms, T&Cs and excess charges). Hyundai Assured Future Value Finance is provided by UDC Finance. UDC Finance responsible lending criteria, T&Cs and fees apply, including a $105.00 establishment fee, a $246 Dealer Origination Fee and a $10.35 PPSR fee. All prices include GST. Offer not in conjunction with any other special, discount or promotional offer. Each offer excludes on-road costs($1195 payable on ordering), lease, government and rental purchases two-tone & accessories. Valid while stocks last. Gary Cockram Ltd reserves the right to vary, withdraw or extend this offer. Alternative payment & mileage terms can be determined on request.

Calculate your repayments

Our UDC calculator gives you an idea of what your loan repayments could be, how much you could afford to borrow, and how long it could take to pay off your loan.

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Custom Finance

We will work with you to create a finance package suited to your individual lifestyle.

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Vehicle Servicing

Our highly-trained technicians offer authorised Hyundai and Isuzu servicing, alongside servicing for any make or model, at two convenient locations.

Christchurch service center Rangiora service center