Finance Information

2014 BMW 320D Touring
$18,997 plus $350 ORC
Note: Clean Car fee/rebate may also apply
Trade Ins with money owing.

What if I still owe money on my old car?

That's not a problem - in most cases we can trade-in your old car and pay off the old loan for you. We then simply deduct the amount you owe on your old car from your trade-in value.

Insurance and Warranty Options

It is important to consider what financial protection you would need in the event that something happens, for example losing a job, illness or injury.

It is not compulsory, but we always recommend that you and your car loan are covered with our full protection package. This includes our 3 year Royale Warranty, Guaranteed Asset Protection (GAP), Payment Protection Insurance policy (PPI) and a 1 year AMI Vehicle Insurance Policy. You can choose to pay this as a separate cost or include it in your vehicle finance repayments.


We offer quick & easy, competitive vehicle financing through Royale Cars, where we work hard to make your vehicle buying experience as hassle free as possible. We can tailor a finance package that you are completely comfortable with, one that suits your budget and your lifestyle.

At Royale Cars we are committed to responsible lending, and whatever your current situation, we are here to work with you to ensure you make an informed decision. Helping you find the right vehicle finance package is our priority, ensuring it fits within your budget and our finance providers lending requirements. No matter whether you’re self-employed or working nine to five, we understand your circumstances and are here to help.

You may see finance repayments advertised with each of our vehicles. Whilst these are examples, they provide you with information such as to how the repayments are calculated, including interest rate, deposit, term and the total amount payable over the term. If you make your own selection as to term and deposit you will see this information updated.

Royale Cars can provide you with:
  • A range of interest rates and finance terms
  • Repayments to suit your budget
  • Full disclosure around how repayments are calculated
  • Ability to use your trade as your deposit
  • Options if you don't have a deposit or trade. We can evaluate your circumstances and see if there is a solution for you
  • Applications that are quick and easy, apply online whenever you want

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

Consumer Credit Documentation:
https://www.udc.co.nz/car-loans/consumerdocuments

Oxford Finance Limited Related Information

We will make the finance process as easy as possible for you. All you have to do is provide accurate information and find your new purchase and we can do the rest.

OFL standard fees and charges – Consumer & Business
https://www.oxfordfinance.co.nz/fees-and-charges/

OFL Terms And Conditions – Consumer
https://www.oxfordfinance.co.nz/wp-content/uploads/2021/10/Extract-Ts-and-Cs_OCT2021.pdf

Finance Now Related Information

Car Loan Rates and Fees
https://www.financenow.co.nz/help/motor-vehicle-dealer-rates-and-fees/

Geneva Finance Related Information

Geneva Full disclosure of Fees and Charges
http://genevafinance.co.nz/everything-you-need-to-know/#fees

Geneva Finance Terms and Conditions
http://genevafinance.co.nz/terms-and-conditions/

MTF Finance Related Information

Cost of borrowing and standard terms
Information on interest rates, how interest is charged, and on our credit and default fees.
http://www.mtf.co.nz/cost-of-borrowing.html