Finance Information

Trade Ins with money owing.

What if I still owe money on my old car?

That's not a problem - in most cases we can trade-in your old car and pay off the old loan for you. We then simply deduct the amount you owe on your old car from your trade-in value.

Insurance and Warranty Options

It is important to consider what financial protection you would need in the event that something happens, for example losing a job, illness or injury.

It is not compulsory, but we always recommend that you and your car loan are covered with our full protection package. This includes our 3 year Royale Warranty, Guaranteed Asset Protection (GAP), Payment Protection Insurance policy (PPI) and a 1 year AMI Vehicle Insurance Policy. You can choose to pay this as a separate cost or include it in your vehicle finance repayments.


We offer quick & easy, competitive vehicle financing through Royale Cars, where we work hard to make your vehicle buying experience as hassle free as possible. We can tailor a finance package that you are completely comfortable with, one that suits your budget and your lifestyle.

At Royale Cars we are committed to responsible lending, and whatever your current situation, we are here to work with you to ensure you make an informed decision. Helping you find the right vehicle finance package is our priority, ensuring it fits within your budget and our finance providers lending requirements. No matter whether you’re self-employed or working nine to five, we understand your circumstances and are here to help.

You may see finance repayments advertised with each of our vehicles. Whilst these are examples, they provide you with information such as to how the repayments are calculated, including interest rate, deposit, term and the total amount payable over the term. If you make your own selection as to term and deposit you will see this information updated.

Royale Cars can provide you with:
  • A range of interest rates and finance terms
  • Repayments to suit your budget
  • Full disclosure around how repayments are calculated
  • Ability to use your trade as your deposit
  • Options if you don't have a deposit or trade. We can evaluate your circumstances and see if there is a solution for you
  • Applications that are quick and easy, apply online whenever you want

It is also important that we help protect you in the event the worst happens. A full range of Insurance Options are available for you to review and purchase to compliment your vehicle and loan, providing you with protection for the unexpected.

UDC Finance Related Information

Standard Fees and Charges:
https://udc.co.nz/tp/download/644524/75860c73bf9766885bd5210cb56bd144/20151105004.pdf

General Conditions:
https://udc.co.nz/tp/download/644537/2e57569a8d3d250a895005ab760f2211/terms_and_conditions.pdf

Credit Sale Agreement (Personal):
https://udc.co.nz/tp/download/644521/f8835a3fd97bcfa9bd4a0c035a54ca6c/20152104001.pdf

Term Loan (Personal):
https://udc.co.nz/tp/download/644546/941458797c37b7425bee8f5f2a2b1542/20152104005.pdf

Security Agreement (Personal):
https://udc.co.nz/tp/download/644550/f831f160889620b6d187e447d2689745/20152104007.pdf

Early Repayment Charge (Consumer):
https://udc.co.nz/pdf/UDC-Early-Repayment-Charge-Fact-Sheet.pdf

Customer Service (Change of address/Complaints/Dispute Resolution/Hardship/Defaults):
https://udc.co.nz/car-loans/customer-service/index

General Information
What should I do if I change my address?
https://www.udc.co.nz/borrowing/customer_service/faqs

What should I do if I have a complaint?
What dispute resolution schemes does UDC belong to and how can I access them?
https://www.udc.co.nz/borrowing/customer_service/complaints

As a borrower, how can I apply for unforeseen hardship relief?
What happens if I default under my agreement including, if relevant, repossession?
https://www.udc.co.nz/borrowing/customer_service/hardship

Oxford Finance Limited Related Information

We will make the finance process as easy as possible for you. All you have to do is provide accurate information and find your new purchase and we can do the rest.

OFL Schedule of Standard Fees and Charges Applied to Consumer Contracts
http://www.oxfordfinance.co.nz/download/schedule-of-standard-fees-and-charges-website.pdf?inline

OFL Terms and Conditions
http://www.oxfordfinance.co.nz/download/oxford-finance-terms-conditions-may-2015.pdf?inline

Finance Now Related Information

Car Loan Rates and Fees
http://www.financenow.co.nz/car-loans/car-loan-rates-and-fees

Geneva Finance Related Information

Geneva Full disclosure of Fees and Charges
http://genevafinance.co.nz/everything-you-need-to-know/#fees

Geneva Finance Terms and Conditions
http://genevafinance.co.nz/terms-and-conditions/

MTF Related Information

Cost of borrowing and standard terms
Information on interest rates, how interest is charged, and on our credit and default fees.
http://www.mtf.co.nz/cost-of-borrowing.html

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Instant Finance

Royale Cars has established wonderful relationships with 8 different finance companies over the years. We have a finance company that will make a package just for you.

We have finance companies that cater for those who have perfect credit right through to purchasers who have had financial challenges in the past but have now ether rectified adverse credit or have proven renewed affordability.

Royale Cars has a dedicated Finance Manager with 30 years’ experience who is 100% committed to securing the best possible finance deal for each individual client.

Finance approvals can take as little as 10 minutes, but usually no longer than 1 hour once we have received the documentation from our clients required to obtain that approval.

We are committed to working hard for you. It is our sincere belief that if we cannot organise finance for you, it is unlikely anyone can.

Apply now, let us work together to make something positive happen for you.

Apply now

Royale Warranty

Buying a new vehicle represents a major investment, so it’s wise to protect your vehicle against the sudden or unforeseen happening of mechanical or electrical failure.

The fact is, motor vehicles do break down from time to time and, whilst you don’t expect it to happen to your vehicle, it’s reassuring to know that we are here to help protect you against the inconvenience and the costs of repair. Our Royale Warranty provides comprehensive protection for your peace of mind.


Payment Protection Insurance

Payment Protection Insurance protects you and your family in the event of you suffering financial loss because of you being off work due to accident, illness, redundancy, suspension, business interruption, bankruptcy, or hospitalisation. It also has a life-cover benefit to pay the outstanding balance of your credit contract in the event of death.


GAP Cover

It is wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the shortfall that can occur between the amount outstanding on your finance contract and the insurance payout you receive. Gap Cover is designed to help pay the difference (the gap) between what your vehicle insurance policy pays out and the balance you owe under your finance contract.


Comprehensive Motor Vehicle Insurance

We have partnered with one if New Zealand’s leading Car Insurance providers AMI to give you simple cost effect insurance for your vehicle. Our friendly team can help you arrange a comprehensive insurance policy for your vehicle. Full cover car insurance is a requirement when you finance your new vehicle. Premiums can often be added to your loan.