Make Your Dream A Reality
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 and more importantly, caters for your needs.
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 pre-approved 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!
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.
• 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
Term: 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 – Terms & Conditions and Disclosure Statement
Applying for a YMF Loan is simple, either visit your local Yamaha dealer, call our Direct Sales Team on 0800 777 123 or apply for a conditional pre-approval online.
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
On completion of your pre-approved application you will be contacted by your dealer. When you submit this pre-approved application, the data will be encrypted and sent securely to your dealer. (Terms and conditions on pre-approval apply).
To help speed up the settlement of your loan, 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
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 Charges
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):
Default Interest Rates
YMF may charge default interest on any amount that is not paid by a borrower when it is due.
Click here for a general YMF enquiry
Phone: 0800 777 123
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 2163
For hardship assistance please contact us by;
Phone: 0800 777 123
Fax: 0800 904 123
Mail: Private Bag 94412, Botany, Auckland 2163
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
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.
The contact details for the Financial Services Complaints Ltd are:
Financial Services Complaints Ltd
PO Box 5967
Phone: (Call Free) 0800 347 257 or (Wellington) (04) 472 FSCL (4723725)
Fax: (04) 472 3728
Web site: www.fscl.org.nz
Click here for a general YMF Enquiry
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