Automotive Financial Services
At Miles Continental, we have the benefit of being able to provide you with a range of competitive finance options, so that we can source the perfect fit for your needs and lifestyle. We’re all about transparency; ensuring that you leave us nothing but confident in the finance plan that we’ve put together for you and your new vehicle.
Our range includes motor vehicle finance, leasing, insurance and warranty products, both through our authorised relationships with Volkswagen Finance Services and through our third-party lenders.
Finance Your Vehicle
Finance is available for all vehicle makes and models regardless of whether you’re purchasing your vehicle from us.
Found a great vehicle at another dealership or via a private buyer? Speak to us about arranging finance; we have very competitive rates and packages available and there’s no cost involved in exploring your options.
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 Finance from Miles Continental can provide.
Calculate your Repayments
Use our Finance Calculator as a guide to work out your repayment amounts and final payment date based on various interest rates, and then get in touch with us to confirm the details.
We will tailor a package based on the client’s requirements and budget. Options are available for both private and business purchasers.
A Credit Agreement is one of the simplest and most popular ways for many motorists to finance a new or used vehicle. A Credit Agreement enables you to place a deposit towards the contract, either as cash or by using the equity in your current vehicle as a trade-in. Flexible terms are available including the option to have a balloon amount (larger final payment) built into your contract giving you the ability to tailor the repayments to best suit your budget, as well as your vehicle trading cycle.
Deposit > Monthly Payments > Ownership
Consumer & Business Lease
For GST Registered Businesses
The advantage of a Consumer or Business Lease is that it enables you to structure the contract by selecting a term, and you agree to a suitable residual value with us. This allows you to tailor your monthly payments to suit your budget. The residual value risk is carried by you.
Since the payments are fixed and known in advance, you have firm control over your vehicle budget.
After the lease period is over, the vehicle is returned to Miles Continental. You then have the option to take out a new lease and upgrade your vehicle to the latest model.
This flexible leasing plan for business users offers possible tax benefits while improving cash flow.
Advance Rental > Monthly Rentals > End of Term Options
Exclusive Automotive Finance offers a Non Maintained Operating Lease on new and selected demonstrator vehicles, while we can also secure a Fully Maintained Operating Lease through Volkswagen Finance. An Operating Lease can best be described as a long-term rental arrangement based on a term and specified kilometre allowance.
An Operating Lease allows you to easily budget your vehicle expenses, and your monthly rentals are fixed over the term of the lease.
The Fully Maintained Operating Lease makes forward planning a lot easier for you, as the monthly rentals include:
- scheduled servicing
- annual registrations
- warrants of fitness
- option to include replacement tyres and puncture repairs
All Volkswagen Operating Lease vehicles come with the peace of mind of Volkswagen Roadside Assistance – a 24-hour program that can help you out when you need it most. All servicing is carried out by our professional Volkswagen trained technicians using genuine parts where applicable.
A Non-Maintained Operating Lease allows you to take care of the service and maintenance costs as and when they occur, rather than having them included in your monthly rental.
Under an Operating Lease the vehicle is treated as an off-balance sheet expense so frees up your working capital. After the lease period is over, the vehicle is returned to us. You then have the option to take out a new lease and upgrade your vehicle to the latest model.
Advance Rental > Monthly Rentals > Return Vehicle
When considering the above finance & leasing options, we recommend that you seek independent financial/legal advice based on your individual circumstances.
Further information can be obtained relating to these products along with their relevant fees and charges by visiting the European Finance website.
Volkswagen Finance and Exclusive Automotive Finance are an operating division of European Financial Services Limited.
Further Finance Options
As well as those provided by European Financial Services and Volkswagen Finance, in order to provide you with a wider range of competitive options, we are able to provide you with finance options from trusted suppliers, such as Marac, BNZ, Alphera and UDC.
Miles Continental is an authorised lender of UDC finance products. Contact us for more information on any of these products. All rates and fees for any associate lenders are available upon request.
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Apply for Finance or Make an Enquiry
Complete the form below if you have any questions regarding vehicle finance, insurance, warranties and other protection products, or call us today on 03 377 7144.
- Finance through Heartland Bank is subject to Heartland Bank’s responsible lending criteria, terms, conditions, and fees. Follow the below links for details or speak to our in-house team for full details and advice.