Car finance available from low & no deposit at Southern Autos Manukau

Contact Southern Autos | Manukau about finance options

Finance Options

Southern Autos | Manukau have trained and professional finance specialists who can assist you with the best options to finance your next vehicle purchase. We act on your behalf to ensure that you are getting the best possible deal, every single time. The best part is there is no obligation, this service is free for you to take advantage of.

The process is quick and easy and approvals are given for most deals within an hour of being submitted, seven days a week.
Consider the brief summary of our finance options, contact us with your requirements and we will tailor a package to suit you or your business.

Find out about vehicle insurance

A Brief Summary of our Services:

Consumer Credit Agreements

A Credit Agreement is the simple and traditional path to financing vehicle ownership. Easy to arrange and with flexible terms to suit your needs, owning your new or used vehicle from Southern Autos | Manukau has never been so convenient. Our Credit Agreements are flexible with repayment terms between 6 and 60 months and deposits to suit. Payments can be structured to suit your individual needs, with your cashflow and budget taken into consideration.

Finance Lease

Finance Lease is often a preferred method of financing for businesses and GST registered individuals. Finance Lease allows purchasing the vehicle of your choice without diverting valuable working capital from your business. Lease terms can vary between 12 and 48 months and residual values and monthly rentals are negotiable.

Operating Lease

Operating Lease is a popular choice for corporates and is now available for private buyers. At the end of the lease (usually 24 to 36 months) you simply return the vehicle and drive away in a new model. There is no residual liability. Monthly rentals are often 100% tax deductible in the case of businesses. You can also have the option of a full maintenance package built into your monthly rental.

Protecting Your Payments

Payment Protection Insurance protects you and your family, giving you peace of mind in the knowledge that your vehicle loan or lease repayments will be covered to the extent of the policy limits, at time of illness, accident, redundancy, strike, bankruptcy or death (depending on the cover purchased). Talk to us about Protection Insurance to limit or eliminate your financial concerns.

provident insurance

Provident Insurance

Southern Autos is proud to recommend Provident Insurance to our customers.

Insurance is an important element of purchasing a new vehicle and Provident Insurance provides a range of insurance products and services designed to protect your vehicle and your lifestyle, including:-

- Mechanical Breakdown Insurance
- Credit Contract Indemnity
- Guaranteed Asset Protection

Mechanical Breakdown Insurance

Buying a new or used vehicle represents a major investment, so it’s wise to protect your vehicle against the sudden or unforeseen happening of mechanical or electrical failure.

Provident Mechanical Breakdown Insurance provides amongst the most comprehensive and competitive policies available in New Zealand.

Available through Southern Autos, we offer 2 types of policies, Classic Cover and Pinnacle Cover. The policies provide cover for 1, 2 or 3 years and offer a range of terms and excess options designed to suit you and your vehicle.

For more information on the features and benefits of Provident Mechanical Breakdown Insurance please view the Summary of Cover listed below.

Summary of Cover

Please Note: This is a summary of cover provided under each policy only. For a full list of all terms, conditions and benefits please contact us for a copy of the Registration Certificate and Policy Booklet wording.

 
Classic Cover
Pinnacle Cover
General
Classic Cover
This policy provides 4 levels of cover, determined by the age, mileage, make and model of the vehicle.
The benefits provided by this policy vary with regard to each level and the age, mileage, make and model of the vehicle.
The benefits shown below are the maximum benefits provided for a standard vehicle.
Pinnacle Cover
This policy provides 4 levels of cover, determined by the age, mileage, make and model of the vehicle.
The benefits provided by this policy vary with regard to each level and the age, mileage, make and model of the vehicle.
The benefits shown below are the maximum benefits provided for a standard vehicle.
Qualifying Vehicles
Classic Cover
This policy covers standard vehicles that are less than 16yrs old or which have travelled less than 250,000kms at the date the policy commences cover.
Pinnacle Cover
This policy covers standard vehicles that are less than 12yrs old or which have travelled less than 150,000kms at the date the policy commences cover.
Claim Limits
Classic Cover
Up to $5000 per claim.
Unlimited claims over duration of policy.
Pinnacle Cover
Unlimited amount per claim.
Unlimited claims over duration of policy.
Excess Options
Classic Cover
A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim.
Pinnacle Cover
A number of excess options may be chosen, however a minimum excess of $100 must be paid for each unrelated claim.
Special Benefits
Classic Cover
Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Pinnacle Cover
Generous allowances for accommodation, car hire/return home costs or vehicle repatriation.
Emergency Breakdown Assistance
Classic Cover
In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Pinnacle Cover
In the event of an approved claim, where your vehicle cannot be driven, Provident will arrange towing to the nearest Provident Authorised Repair Facility.
Roadside Assistance
Classic Cover
You will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.
Pinnacle Cover
You will be entitled to full NZ Roadside Assistance benefits, including towing, lost keys, out of fuel, flat tyre and flat battery assistance.

Credit Contract Indemnity

Borrowing money (credit) has never been more freely available than it is today. It enables us to make choices, to buy the things we want, when we want, and to enjoy life.

When you borrow money you enter into an agreement to repay it back at a certain rate and over a certain period.
However, things can change over time and whilst you may be fit and healthy today, with steady income and a secure future, unexpected events can very quickly change your situation.

Southern Autos recommends Provident Credit Contract Indemnity to cover you and your family in the event of you suffering financial loss as a result of you being off work due to accident, illness, redundancy, suspension, business interruption, bankruptcy or hospitalisation. It also has a life-cover benefit to pay the outstanding balance of your credit contract in the event of death.
With Provident Credit Contract Indemnity you can relax knowing the money you borrow today can be repaid should the unexpected happen in the future.

For full details of the Provident Credit Contract Indemnity policy please contact us.

Guaranteed Asset Protection (Gapcover)

When purchasing a new vehicle and committing yourself to loan repayments over an extended term, it’s wise to protect yourself against the unfortunate event of your vehicle being written-off as a total loss and the shortfall that can occur between the amount outstanding on your finance contract and the insurance payout you receive.

Provident Gapcover has been designed with exactly that in mind – to help pay the difference (the gap) between what your vehicle insurance policy pays out and the balance you owe under your finance contract. Provident Gapcover may also pay additional benefits, which are designed to help reimburse you for associated incidental costs, if you select this extra “Special Benefits” cover for your policy.

Southern Autos recommends Provident Gapcover to protect your investment in your new vehicle so you can replace it, if you need it ….. providing control, certainty and choices for your future.

For full details of the Provident Gapcover policy please contact us.

For information regarding the cost of borrowing, credit card fee and default fees click here