Phone Number 06 8337150 06 8337150
Where to find us 20 Owen Street, Napier

Finance Information

Finance For Trade & The Self-Employed

UDC Accredited Dealer

UDC Lending rates vary from 9.85% p.a. to 14.85% p.a. Interest rates are fixed for the term of the loan. Rates vary depending upon many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and customer risk profile.

We know you're busy and don't have the time to jump through hoops getting finance arranged. That's why we specialise in arranging finance for tradies and the self-employed through our partner Finance Now. It's as easy as 1-2-3.

At Kobe Commercials We're committed to responsible lending and helping you find the right vehicle finance package is our priority. We're here to make sure what you lend fits within your budget and our finance providers' lending requirements. Whatever your current situation, we're here to work with you to help you make an informed decision.

Kobe Commercials can provide you with:
  • A simple 1-2-3 no-fuss application process
  • Competitive interest rates and finance terms with repayments to suit your budget
  • Full disclosure around how repayments are calculated
  • Ability to use your trade-in vehicle as your deposit
  • Alternative options if you don't have a deposit or trade – we'll evaluate your circumstances to seek a solution

It is also important that we help protect you in the event the worst happens. A full range of Insurance Options are available for you to review and purchase to compliment your vehicle and loan, providing you with protection for the unexpected.

UDC Finance Related Information

Standard Fees and Charges:

General Conditions:

Credit Sale Agreement (Personal):

Term Loan (Personal):

Security Agreement (Personal):

Early Repayment Charge (Consumer):

Customer Service (Change of address/Complaints/Dispute Resolution/Hardship/Defaults):

General Information
What should I do if I change my address?

What should I do if I have a complaint?
What dispute resolution schemes does UDC belong to and how can I access them?

As a borrower, how can I apply for unforeseen hardship relief?
What happens if I default under my agreement including, if relevant, reposession?