General Information


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.


 Loan Products Table V2



How long will it take to repay my loan? You can select a loan term that suits your individual requirements. Loan terms ranges between 2 and 5 years

How do I arrange for a quote? Contact your nearest Yamaha dealership and they will gladly assist you in providing a quotation that suits. They can even provide you a quote on insurance should you require it. Alternatively, you can also contact us Direct on 0800 777 123

What will I need to take to the dealer to submit an application? In order to undertake a credit assessment and to verify your identity you will need to take with you the following items: 
i. Your driver’s licence 
ii. Evidence of income e.g. recent pay slip’s, letter from accountant or a certificate of earnings from the IRD
iii. Employment details
iv. Next of kin details
v. Confirmation of bank details i.e. bank statement or online statement or cheque book
vi. Rates notice (if applicable)
From time to time we may require additional information but we will notify you as soon as possible in the process.

Will I be notified before you lodge an enquiry on my credit file? Our representatives will ensure that they obtain your permission either verbally or in writing before we submit a credit enquiry with the credit bureau.

How long does the credit assessment take? On average the credit assessment will be finalised within 2 hours of your dealership submitting the application to Yamaha Motor Finance.

How will I be notified of the outcome? Your Yamaha dealer will notify you as soon as the credit decision has been finalised.

What is the cancellation period for a consumer credit contract? The cancellation period for a consumer credit contract is 5 days.

What security will you take on the loan? YMF will register a security interest on the Personal Properties Security Register. To do this YMF will register the identifier of the asset being purchased and the grantor details.


What do I need to do if I change address or if I change my contact details? You must promptly provide us your updated contact details including home number, work number, mobile, email and residential address).

How can I make my repayments? Repayments can be made by direct debit

Will I receive a loan statement? After the 6th June 2015 all consumer credit contracts will receive a statement on a six monthly basis.

Can I payout my loan early? Yes. You will need to contact us to obtain a payout figure.

Will YMF remove its interest from PPSR once the loan is paid out? Yes

What if I cannot make a repayment? Get in touch with YMF immediately. Discuss the matter and see if you can come to some payment arrangement.

What if I am in hardship? For hardship assistance please contact us by;
Phone:   0800 777 123
Fax:  0800 904 123
Mail:  Private Bag 94412, Botany, Auckland 2163

If you are subject to unforeseen financial hardship you can ask YMF to change your contract in a number of ways:   
to extend the term of your contract and reduce payments; or 
to extend the term of your contract and delay payments for a set time; or 
to delay payments for a set time.

What if I cannot agree on a suitable arrangement? If YMF refuses your request to change the repayments, you can ask YMF to review this decision. If YMF still refuses your request you can complain. The Financial Services Complaints Limited   (FSCL). Further details about this scheme are set out below. 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:

Can I still apply for hardship if I have received a repossession warning notice? Yes. You can make a hardship application up to two weeks after receiving a repossession warning notice.

Will a fee be charged for a hardship application? No

Will I be notified if my request is declined? Yes we will notify you in writing if we decline your hardship application.

Can YMF repossess or sell the secured goods? Yes, if you have not carried out all of your obligations under your contract YMF may repossess or sell the secured goods. This is subject to any YMF satisfying any registered security interest and/or notice YMF is required to give you by law.

Can YMF take action against me? Yes, if you are in default under your contract.