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Vehicle Finance
Explore practical vehicle finance tips for New Zealand drivers, including repayments, interest rates, balloon payments, refinancing and funding options.


🚗 “I Want to Lease a Car Because I Don't Want a Loan.”
A customer recently told me she wanted to lease a vehicle because she didn't want a loan. But is leasing really that different from finance? Let's break down vehicle lease vs finance in NZ, clear up some common misconceptions, and explore why choosing the right option starts with understanding what you want to achieve.

Adrianne Galvin
Oct 143 min read


Is Financing Your Car on Your Mortgage Actually Costing You More?
Should you put your car on the mortgage? Adrianne Drives Smarter compares the total cost of vehicle finance with adding a vehicle purchase to a home loan.

Adrianne Galvin
Sep 75 min read


Is It Time to Refinance Your Vehicle? | Vehicle Finance NZ
Your vehicle finance may have suited you when you bought your car — but does it still suit you today? With interest rates moving and a balloon payment potentially approaching, now could be a good time to review your options.

Adrianne Galvin
Sep 58 min read


Business Vehicle Finance NZ: It’s Not Just About the Interest Rate
Business vehicle finance isn't just about finding an interest rate. From GST timing and Investment Boost to EV funding, insurance and asset protection, here's why I look at the whole transaction.

Adrianne Galvin
Sep 29 min read


Helping NZ Go Electric: A Practical Guide to Making the Switch ⚡🚗
Thinking about making the switch to an EV or plug-in hybrid? This practical NZ guide covers batteries, charging, running costs, funding and protection to help you make a more informed choice.

Adrianne Galvin
Aug 139 min read
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