Dealer Introduced Consumer Loans

Consumer Vehicle Finance

NBS-authorised dealers are able to provide finance to their customers, making NBS dealers a one-stop-shop – selling customers what they need and then arranging finance to pay for it.



Dealer Introduced Consumer Loans

Interest rate range                                                     9.90% p.a. to 19.95% p.a
The interest rate you'll be offered will be different depending on your financial situation.
Interest rates are subject to change.

Dealer Introduced Consumer Loan Fees

NBS Establishment Fee $200.00
Dealer Documentation Fee $245.00
Default Interest Rate                                                                                                                                                   5.00% p.a. above annual interest rate
Default Administration Fee $100.00
Insurance Arrears Payment Fee $15.00
Rates Arrears Payment Fee $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Duplicated Statement Fee $15.00
Early Repayment Adjustment NIL
Early Repayment Administration Cost $100.00
Fees are subject to change.  For descriptions of the above fees refer to NBS' current loan agreement specific terms example.

We offer flexibility so you can choose the term of your loan - up to 48 months.

You make repayments by direct debit. Payment instructions are set up from your nominated bank account at the start of your loan term and will happen automatically.

Choose monthly, fortnightly, or weekly repayments - to suit your cashflow. If you need to change the frequency at anytime, just let us know.

You can also make additional payments at anytime.

Early settlement fees may apply if your loan is repaid in full prior to the expiry of the original term.
  • View your loan balance on Lifestyle Net
  • Contact your local NBS branch on 0800 101 700
  • Loan Account Summary and Statements will be sent to you six monthly

Yes you can repay the entire balance of your loan before the end of your contract, although an early settlement fee may apply.

All fees and the interest rate are set out in the loan agreement you signed at the beginning of the loan term.

We require that the vehicle be comprehensively insured during the term of the agreement.

NBS understands that life can be unpredictable, so if you are struggling with your finance and cannot manage your repayments for any reason, talk to NBS as soon as possible. We may be able to help you find another solution.

A Guarantor is someone who agrees to pay your loan if you don't keep up the payments.

NBS' Current Loan Agreement Specific Terms and General Lending Terms are available free of charge from any NBS branch.

Lending criteria and the above terms apply.

Your satisfaction is important to us.

NBS aims to provide you with the highest quality of service at all times.  If you have a problem, concern, or complaint about any part of our service, please let us know as soon as you can so that we can sort it out quickly.

We have an Internal Complaints Procedure to resolve any issues.

NBS is committed to responsible lending and has adopted the guidelines produced by the Financial Services Federation.

The Responsible Lending Guidelines have been developed by the Financial Services Federation with the assistance of a variety of stakeholders including the NZ Federation of Budgeting Services, Consumer NZ, the Families Commission Debt Working Group, the Retirement Commissioner, and officials from the Ministry of Consumer Affairs, and the Ministry of Social Development.
The Guidelines aim to improve consumer protection, raise standards across the consumer credit industry, and deliver better outcomes for borrowers and lenders and set out specific steps that lenders may need to take to assess if a credit contract will be suitable for a consumer.