Yamaha Motor Finance

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. 

Customer Benefits:
• 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.

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.

 

The above figures apply to our consumer loan contract. Interest rates, credit fees and charges are indicative only and subject to changes. All loan applications are subject to YMF's lending criteria.  

Click here for a general YMF enquiry

Phone: 0800 777 123

Email: customerservice@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 2163

 

Hardship 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

 

Click Here for Frequently Asked Questions and General Information regarding Loan Products

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.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

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.