FINANCING & LEASING

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FINANCING YOUR NEXT LEXUS

Lexus Financial Services has a full range of car loans and car leasing options for all your motoring needs. Whether you are interested in the financing of new or used Lexus vehicles, or wondering which loan product best suits your needs, we can help. Contact your local Lexus dealership or call 0800 4 LEXUS (453 987) to get an obligation-free finance quote.

  • CREDIT CONTRACT FINANCE

    Maximum flexibility - with the minimums guaranteed. That’s Credit Contract Finance.

    Credit Contract gives you just that – choice – especially when it comes to your options as your plan ends. Choose to take a Guaranteed Future Value (GFV) certificate and you’ll know exactly what your vehicle will be worth when the plan ends.

    Benefits:

    • Fixed interest rate

    • Lower fixed monthly payments - with an optional ‘balloon’ payment at the end of the plan

    • Option to include servicing and maintenance, Lexus Vehicle Insurance and Payment Protection Insurance

    • Tax deductions (for businesses)

    • Trade-in or keep the vehicle at the end of the plan

    • Guaranteed minimum trade-in value option

     

    CREDIT CONTRACT FINANCE BROCHURE

    CONSUMER CREDIT CONTRACT FINANCE AGREEMENT

    BUSINESS CREDIT CONTRACT FINANCE AGREEMENT

    CREDIT CONTRACT GFV CERTIFICATE

  • VARIABLE RATE CREDIT CONTRACT FINANCE

    A competitive loan with a variable interest rate – that's Variable Rate Credit Contract.

    Variable Rate Credit Contract is a unique Lexus Financial Services product that gives you the option of vehicle finance now – and access to extra finance for other things when you need it. Plus while the competitive variable interest rate moves with the market, your budgeting is easier with monthly payments that can stay fixed.

    Benefits:

    • Convenient fixed monthly payments

    • You can choose to make lump sum payments at any time

    • Feel free to settle your loan early with no fees or penalties 

       

    Variable Rate Credit Contract Finance Brochure

    Consumer Variable Rate Credit Contract Finance Agreement

    Business Variable Rate Credit Contract Finance Agreement

  • FINANCE LEASE

    You take the vehicle, we’ll take care of the risk…

    In fluctuating economic times, a little certainty over financial arrangements goes a long way… that's why with Finance Lease, your end-of-plan re-sale value is set upfront, so we pick up the difference if the vehicle’s value drops.

    Benefits:

    • Fixed interest rate

    • Low initial outlay (from one monthly payment)

    • Fixed monthly payments

    • Terms from 24 to 60 months

    • Tax deductions (for businesses)*

    • Option to include servicing and maintenance

    • Option to offer to purchase the vehicle at the end of the plan

    • Protect your resale value with a guaranteed minimum value option

    • Choose to add Lexus Vehicle Insurance and Payment Protection Insurance

       

    Finance Lease Brochure

    Consumer Finance Lease Agreement

    Business Finance Lease Agreement

    Finance Lease GMV Certificate

  • OPERATING LEASE

    Drive it your way, to suit your budget and business…

    All the advantages of leasing, including full use of a vehicle with monthly rentals that are tax deductible*.

    Benefits:

    • Fixed monthly rentals
    • No residual risk on your vehicle
    • Tax deductible lease payments
    • Efficient use of capital
    • Only available to business customers
    • Replace or return the vehicle at the end of the plan
    • Option to include full service and maintenance of the vehicle, with costs included in your monthly rental

    *Personal/business tax arrangements may vary – we recommend talking to your accountant or financial advisor.

    Operating Lease Brochure

LEXUS CUSTOMER CONTACT CENTRE

0800 4 LEXUS (453 987)

Acquiring a Lexus is as effortless as driving one. With an extensive range of tailored finance solutions and many options for leasing and purchasing, you can be sure that there’s always a Lexus to suit your individual needs.

LEXUS VEHICLE INSURANCE

Lexus Vehicle Insurance provides comprehensive car insurance for both new and used cars up to the age of 20 years. This includes gap insurance for those financing the vehicle with Lexus Financial Services NZ, as well as cover for your vehicle's contents.

 

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INTEREST RATES & FEES

We offer a range of finance products at competitive consumer interest rates.

 

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FLEET MANAGEMENT

  • Specialised fleet management
  • Own or lease
  • Improves vehicle administration
  • Improves financial management of fleets

Contact your local Lexus dealership or call 0800 4 LEXUS (453 987) to discuss which lease or fleet management product would best suit your needs.

USEFUL FORMS


We've gathered some of the most frequently used forms in one place for your convenience! Just print out the downloadable forms, complete and take with you to your local Lexus dealership.

AML Authorisation And Privacy Act Consent Form

Privacy Act Consent Form

RESPONSIBLE LENDING, DISPUTE RESOLUTION AND HARDSHIP

  • RESPONSIBLE LENDING

    Toyota Finance New Zealand Limited trading as Lexus Finance Services, complies with the Credit Contracts and Consumer Finance Act 2003, Credit Contracts and Consumer Finance Regulation 2004 and exercises the care, diligence, and skill of a responsible lender.

    The Responsible Borrowing Code sets out the guidelines for anyone taking out a loan and sets out the minimum requirements.

    The Responsible Lending Code sets out the requirements a lender must follow. 

    In addition, Lexus Financial Services is a member of the Financial Services Federation and takes its obligations as a responsible lender seriously, complying with all legislative requirements.

     

    Unregulated Financial Advice

    You are protected by responsible lending laws. Because of these protections, the recommendations given to you about any consumer credit contract or relevant insurance contract products are not regulated financial advice.

    This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

  • DISPUTE RESOLUTION

    If you have a Finance or Insurance complaint, you'll be pleased to know a Lexus Financial Services customer service manager is ready to assist.

    Please complete the form under contact us here and we'll be back in touch as soon as possible. Or to talk to us right now, simply call 0800 4 LEXUS (453 987).

    If you don’t get a satisfactory resolution from us, then you can take your complaint to the Insurance and Financial Services Ombudsman scheme. This is a free independent dispute resolution scheme and can be contacted at:

    Freephone: 0800 888 202
    Email: info@ifso.nz
    Website: www.ifso.nz
    Address: PO Box 10845, Wellington 6143

    Toyota Finance New Zealand Limited trading as Lexus Finance Services, is registered under the Financial Services Providers (Registration and Disputes Resolution) Act 2008 under registration number FSP27861 and is a member of the above disputes resolution scheme.

  • HARDSHIP

    Unforeseen Hardship

    If you are having trouble making your loan repayments or experiencing hardship Lexus Finance Services may be able to help.

    We know that unforeseen events can happen in life and cause financial difficulties. These include injury, illness, changes to your regular income, a relationship breakdown, or the death of a spouse or partner.

    If you find yourself struggling to meet your repayments because of a change in circumstances outside of your control, make sure you talk to us as soon as possible, simply call 0800 4 LEXUS (453 987). You can also complete the form here and mention that you are experiencing hardship.

    You can make a hardship application in writing at any time. You must bring your payments up to date before applying for hardship if you have:

    • Been in default for 2 months or more
    • Been in default for two weeks or more after receiving a repossession warning notice
    • Not made four or more consecutive debt repayments on their due dates

    We will work with you to understand how your change in circumstances is influencing your financial position and what can be done to assist you. We might be able to offer some assistance to help you cope with your financial difficulties. Assistance is determined on a case-by-case basis and could include reducing your repayments for a period of time and/or a term extension. Please note that both of these options will increase the overall cost of your loan.

     

    Financial Mentoring

    If you have concerns about your finances, you can get free and confidential advice from an independent service, MoneyTalks which is funded by the Ministry of Social Development. You can contact MoneyTalks via:

    Freephone: 0800 345 123
    Text: 4029
    Emailhelp@moneytalks.co.nz
    Online chat/website: www.moneytalks.co.nz

    www.sorted.org.nz is another helpful site.