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Yamaha has been supplying innovative and exciting leisure products for more than 60 years and Yamaha Motor Finances (YMF) goal is to help you purchase the products you have always wanted to make your dream a reality.
Yamaha Motor Finance New Zealand Limited is a 100% owned subsidiary of Yamaha Motor Australia Pty Ltd. YMF was established to give Yamaha customers access to specially tailored finance packages on Yamaha’s huge range of motor products. This unique relationship means YMF has a better understanding of motorcycle and marine products.
If you are looking to finance your new Yamaha powered product, YMF provides real value.
Apart from competitive rates, you also benefit from the following:
- Fixed interest rate and repayments
- Flexible loan terms available from 2 to 5 years
- Ability to finance accessories and approved insurances
A YMF loan is simple and convenient, applications can be completed in person at one of Yamaha’s nationwide dealerships or online through the YMF website. The following products can be financed through all Yamaha dealers:
- Motorcycles - Scooters - ATV’s - SSV
- Outboard Motors - Boats - WaveRunners - Trailers
- Golf Carts - RMAX - Generators
- Power Equipment
Now there is even more reason to take advantage of the benefits Yamaha Motor Finance & Insurance can offer you – you choose the option that best suits you!
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Consumer Loan
The consumer loan is suitable for customer purchasing goods that will be used for personal, domestic or household purposes. A consumer loan is secured fixed interest rate loan. Repayments can be structured on a fortnightly or monthly basis.
Features:
• Build up equity in Asset
• Fixed repayments
• Ability to include accessories
• Finance bolt-ons
• Fixed interest rate
• Additional repayments flexibility
• Deposit optional
• Balloon payment option
• Secured LoansTerm: 24 to 60 months
Amount financed: No maximum loan amount. Borrow from $1500
For information on interest rates, fees and charges please refer to Cost of Borrowing section.
Standard Loan Contract – Disclosure Statement
- Guarantor Contract
- Terms and Conditions -
How do I apply
Applying for a YMF Loan is simple, either visit your local Yamaha dealer, call our Direct Sales Team on 0800 777 123 or apply via our online application.
Tips for completing this form:
• Please provide as much information as possible to support your application
• The fields marked with an asterisk (*) are mandatory
• Once you have submitted the application an e-mail will be sent to you confirming receipt of the information you have providedOn completion of your application you will be contacted by your local dealer. When you submit this pre-approved application, the data will be encrypted and sent securely to your dealer.
To help speed up the assessment of your loan application, bring along the following for verification of your application
• Proof of identification - eg. drivers licence
• Proof of income - eg. current pay slips
• Your banking details - for direct debit payment
• Proof of address - eg Rates Notice, Bank Statement or Utility BillCredit criteria, fees, charges and conditions apply. Finance available to approved applicants of Yamaha Motor Finance New Zealand Limited. FSP 9622/NZBN 9429036270798. Offer only available at participating Yamaha dealerships.
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Cost of Borrowing Information
The cost of borrowing table includes information about interest rates, fees and charges that apply when the asset is being acquired wholly or predominantly for personal, domestic or household purposes, or the credit being provided is to be used to acquire the asset for personal, domestic or household purposes (and not for business or investment purposes).
The consumer credit fees and charges may apply or become payable under the contract or during the life of the contract.
Credit Fees and ChargesType
Description
Amount
Application Fee Motorcycle, SPV E-bike
The application fee is a loan establishment fee and charged when the loan is advanced/established. It can be included in the financed amount.
$325
Application Fee Marine
The application fee is a loan establishment fee and charged when the loan is advanced/established. It can be included in the financed amount.
$325 to $395
Dealer/Broker Administration Fee
Dealer/Broker administration fee is based on Net Amount Financed as follows:
a) $1,500 to $2,999
b) $3,000 to $4,999
c) $5,000 to $9,999
d) $10,000 to $20,000
e) $20,001 plus
a) $165
b) $275
c) $490
d) $600
e) $720PPSR Fee
We will charge a PPSR Fee to register our security interest PPSR. The fee is charged on each individual asset.
$8.05 per asset (Approx.)
Default Service Fee
The Default Service Fee will be charged to each cheque payment or direct debt that is dishonoured.
$25
Full Prepayment Charge
If you pay the loan account outstanding balance in full before the schedule final payment due date (full payment) you will be required to pay a fee to compensate YMF for any loss resulting from the pre-payment.
The full prepayment charge is calculated as follows:
$300 *M divided by T + $50 admin fee
Where:
M= the number of months still to run in the terms of the contract
T= the term of the loan in months
Recovery Costs and Enforcement Expenses
If a default occurs and YMF takes steps to enforce the contract or a security under it, YMF will charge you for costs, liabilities and expenses it incurs in exercising and enforcing its rights and remedies, including the costs of repossession and associated with sale and legal costs, including on a solicitor/own client basis together with disbursements.
All costs, liabilities and expenses after a default occurs
Annual Interest Rates
The annual interest rate is a fixed rate for the loan term on a standard form contract. YMF may consider a range of factors when it determines the actual interest rate which will apply to each loan, including: the net amount financed and term of the loan, the complexity of the loan, the age, type and condition of the asset being financed, the borrower's credit history, the borrower's asset position and the borrower's risk assessment rating as determined by YMF. Interest is calculated by multiplying the outstanding balance at the end of each day by a daily interest rate. The daily interest rate is calculated by dividing the Annual Interest Rate by 365 (or 366 in a leap year). Interest is then debited to the loan account on each Installment Payment Date.
As a guide, the following are the different asset categories and their respective interest rates ranges (excluding YMF program rates used on special promotions):Asset Type
Interest Rate (p.a)
Motorcycle, SPV E-bike
10.15% to 16.95%
Water Vehicles
10.15% to 16.95% Marine Package (Boat, Trailer, Motor) and Repower
10.15% to 16.95% Default Interest Rates
YMF may charge default interest on any amount that is not paid by a borrower when it is due.Default Interest is a rate equal to the Annual Interest rate plus 3% per annum
The default interest rate is charged (in addition to annual interest rate) on the arrears amount outstanding. The rate varies based on when a contract was initiated.
The above figures apply to consumer loan products that are provided by YMF NZ under the CCCFA. Interest rates, credit fees and charges are subject to change. All applications for credit are subject to approval of YMF NZ’s credit criteria. Finance is provided by Yamaha Motor Finance New Zealand Ltd NZBN 9429036270798 FSP9622.
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Contact YAMAHA MOTOR FINANCE
Click here for a general YMF enquiry
Phone: 0800 777 123
Email: directsales@ymf.co.nz
Fax: 0800 904 123
Hours of operation
Monday to Friday (Exception Australian Public Holidays)
8.00 am to 5.00 pm (AEDT)
Yamaha Motor Finance New Zealand Ltd.
58 Lady Ruby Drive, East Tamaki, Auckland 2013
Private Bag 94412, Botany, Auckland 2163Hardship Assistance
For hardship assistance please contact us by;
Phone: 0800 777 123
Email: customerassist@ymf.co.nz
Fax: 0800 904 123
Mail: Private Bag 94412, Botany, Auckland 2163
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General Information
Click Here for Frequently Asked Questions and General Information regarding Loan Products
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Complaints
Complaints Handling and Dispute Resolution Process
If you have a complaint about any aspects of our products and services, please contact us first on 0800 777 123 so that we can resolve your concerns. Once we are aware of your concern our staff will take the appropriate steps to address your concerns immediately.
If the staff member is not able to resolve this with you, the matter will be escalated to a higher level to the relevant manager. You may request this escalation at any time by calling or writing to us. The manager will investigate the issue and take all reasonable steps to resolve the matter with you or your authorised representative.Escalating your complaint
Should you feel that your complaint has not been properly handled or you are not satisfied with the result, you may request an independent review of your dispute by writing to:
Dispute Resolution Officer
Yamaha Motor Finance New Zealand Limited.
Private Bag 94412
Botany, Auckland 2163
Email: complaints@ymf.co.nz
External Dispute Resolution Scheme
If you feel we have not fairly resolved your complaint you can refer the matter to an external dispute resolution service. Yamaha Motor Finance New Zealand is a member of the Financial Services Complaints Ltd (FSCL). This independent body is approved by the Ministry of Consumer Affairs. Complaints to FSCL need to meet certain criteria. FSCL’s service does not cost you anything.
The contact details for the Financial Services Complaints Ltd are:
Financial Services Complaints Ltd
PO Box 5967
Lambton Quay
Wellington 6145
Phone: (Call Free) 0800 347 257 or (Wellington) (04) 472 FSCL (4723725)
Fax: (04) 472 3728
Web site: www.fscl.org.nzDownload our complaints brochure (PDF) for more information.
Click here for a general YMF Enquiry -
Disclaimer
The information provided by YMF on this website is of a general nature and for information only. Before making a decision about finance options featured on our website, you should consult with your independent legal, taxation and financial advisor, who can advise you which finance arrangement will best suits your individual circumstances, objectives and personal or commercial needs.
Note: Loan applications are subject to YMF’s normal lending approval process and credit is subject to approval. Credit criteria, fees and charges, terms and conditions apply. Please refer to our General Information section for more details about our loan products, fees, charges and standard loan terms and conditions. A copy of full terms and conditions is also available on request and will be included with the loan contract and schedule.
Yamaha Motor Finance New Zealand Ltd NZBN 9429036270798 FSP 9622
Yamaha Motor Finance New Zealand Privacy Policy
You are protected by responsible lending laws. Because of these protections, the recommendations given to you about YMFNZ’s consumer loan, consumer loan with balloon and line of credit products are not regulated financial advice.
This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.