FINANCE

Leasing gives you a practical and cost effective way of investing in important equipment while keeping the cash in your business.

Rather than an upfront cost, you pay the lease back over time in fixed monthly payments.

INSTANT ASSET WRITE-OFFS

Eligible businesses can claim an immediate deduction for the business portion of the cost of an asset in the year the asset is first used or installed ready for use.

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rent it
Finance Lease

Suitable for leases over high value, long life assets. Flexibility and options at end of term. You may be entitled to claim depreciation on the asset. The interest component of the lease payment is typically tax deductible. GST will be payable over the lease term.You can expect lower monthly payments for a finance lease with a residual value than you would pay for an operating lease. Further, you can purchase the asset for the residual value at end of term.

Own it
Lease-To-Own

Suitable for assets that have a long useful life and retain their value. Asset & liability – interest and depreciation typically claimable as a tax deduction*.GST is paid upfront and you can claim GST at the start of the lease term. Ownership transfers to you after all amounts due under the lease are paid.

SECURE IT
Secured Loan

We finance your asset purchase and take security over that asset. GST can be paid upfront or financed together with the asset and you can claim GST in the period in which the asset was purchased. Interest and depreciation typically claimable as a tax deduction*

Kettlebells Auckland NZ

Lease to Own

Stay ahead of the competition

It is important to stay ahead of your competition. With Lease-To-Own you can put your cash to better use and gain the benefit of owning the latest technology.

Ideal for businesses planning to use equipment for longer than 3 years. It is best suited for technology that retains its value over the term of the agreement. After the last payment is made, ownership transfers to you.


Compare buy now, pay later providers




Provider

How it works

Costs

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zipMoney

 Sign up online and receive a line of credit up to $8,000. You can then use it at any zipMoney retailer online or by scanning or entering your instore code at the checkout.
  • Establishment fee of $0 – $99
  • Guaranteed 3 months interest free
  • 19.90% p.a. rate applies after 3 months to outstanding balance
  • $40 per month minimum payment or 3% of your balance owing – whichever is greater
  • $6 monthly fee applies when you have an outstanding balance (waived if balance is zero)
  • Late fees apply

zipPay

Sign up online or at the checkout for a credit limit up to $1,000. You can use your credit line at any zipPay retailer.
  • Interest free
  • Minimum monthly repayment of $40
  • $6 monthly fee applies when you have an outstanding balance (waived if balance is zero)
  • $10 late payment fee and further $8 each week if you still haven’t paid

Gem Visa

Apply online and receive a fast application response. Spend online or instore, anywhere that accepts Visa. Take advantage of finance deals for Gem Visa holders with participating stores.
  • $55 establishment fee
  • $52 annual account fee
  • 6 months interest free on purchases over $250
  • 25.99% p.a. rate applies after 6 months to outstanding balance
  • $20 per month minimum payment or 3% of your balance owing – whichever is greater
  • $15 late payment fee

Q Mastercard

Apply online and supply the necessary documents. Once approved you can spend online or instore, anywhere that accepts Mastercard. Take advantage of special long-term finance deals for Q Mastercard holders.
  • $55 establishment fee
  • $50 annual account fee
  • Interest free up to 3 months
  • 25.99% p.a. rate applies after 3 months to outstanding balance
  • $10 per month minimum payment or 3% of your balance owing – whichever is greater
  • $15 late payment fee