Ask us about our Finance and Leasing options, Insurance and Mechanical Warranties.
Shane Ford is the Business Manager at Giltrap Prestige. Shane
has worked in the finance industry for in excess of 7 years and can
provide information that will assist you to make the right decision
when selecting a finance, lease, and insurance product to suit your
specific needs.
At Giltrap Prestige we offer a full range of motor vehicle
finance, leasing, insurance and warranty products. Utilising one of
these products will allow you to realise your motoring dreams
sooner rather than later. We find a large portion of our valued
customers prefer to pay for their vehicles out of cash flow as
opposed to cash reserves. Please read on to see some of the
features and benefits that a package from Giltrap Prestige can
provide.
We will tailor a package based on the client's requirements and
budget. Options are available for both private and business
purchasers.
Credit Agreements - consumer and business.
The most commonly recognised form of finance (HP). We offer
credit agreements ranging from 6 to 60 months. Suitable for both
private and business purchases. Deposits are negotiable and we can
cater for both seasonal and balloon payment structures. Monthly
payments are fixed and there are no ongoing monthly account
fees.
Operating Lease.
This is a rent and return contract. Commonly taken out by both
small & large businesses that can expense the lease costs back
to their businesses. An operating lease will eliminate the residual
risk of owning a vehicle. You can also choose to include other
costs associated with running a vehicle - this is termed a
maintained lease. Operating leases are priced based on the
anticipated mileage that your new vehicle will travel over the term
of your lease. Maximum term of an operating lease is 45 months. The
vehicle is returned to the lease company at the end of the lease
term.
Finance Lease.
Popular with both private and business purchasers. Terms can
vary - where applicable - based on how a client wants to account
for their vehicle. From just having your first rental in advance to
having a larger advance (a greater amount up front). At the end of
the term there is a residual / balloon value. When or if you get to
the end of the term and the residual matures - you have the
opportunity to offer to purchase the vehicle, refinance the amount
for another term or trade your vehicle at that stage - conditions
will apply.
With business purchases there are tax implications. These are
different for each product. For all business clients we recommend
that you always consult your accountant or tax advisor.
As always, where applicable, normal lending criteria applies and
terms and conditions need to be adhered too.
Download an Application Form now.
Most clients have a history or relationship with an insurance
broker and or an insurance company. At Giltrap Prestige - we can
offer you full comprehensive motor vehicle insurance. Some of the
benefits our insurer offers to protect your investment are:
- New for
new replacement for 2 years.
- No
claims bonus for life.
- Genuine
manufacturer's parts are used upon repair.
- Only
authorised repairers are used.
- Cover
for both private and business use.
- Agreed
Value for second had vehicles for 12 months.
- Rental
vehicles available.
Conditions do apply - please contact Shane Ford on 09 360 3200
or sford@giltrapprestige.co.nz
for a quotation.
For vehicles purchase outside of their new car warranty you can
purchase a mechanical warranty to protect you against future
mechanic failure. There are different levels of cover available so
call us to see what is best suited for your vehicle.
At Giltrap Prestige we pride
ourselves on offering the best products and the best
service.
There is no difference when it
comes to financing, insuring and protecting your new or prospective
purchase.
Shane Ford - Business Manager
09 360 3200 or 021 177 9660
Q. Why would I finance a vehicle when I am able to pay cash?
A. Whether we like it or not - vehicles depreciate. Why would
you invest your hard earned capital into an item that loses money
over time? Retain your capital or invest it in something that will
generate future wealth and pay for your vehicle out of cash flow,
on a monthly basis.
Q. Aren't the costs associated with finance high?
A. No they aren't. Remember, the vehicle is the only security
taken for the loan. If you compare this type of borrowing via banks
and other credit organisations - you will find that we are very
competitive.
Q. Is it difficult and time consuming to arrange finance / lease
package.
A. No, a simple one page credit application is taken and we will
generally have an answer for you within an hour. From there all
documentation is completed by us and signed when you take delivery
of your new vehicle.