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Car Finance Agreement

Car Finance Agreement Template for New Zealand

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Key Requirements PROMPT example:

Car Finance Agreement

"I need a Car Finance Agreement for a business fleet purchase in New Zealand, involving multiple vehicles with a balloon payment option at the end of the term, and including guarantor provisions for our parent company."

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Document background
The Car Finance Agreement is essential for transactions involving vehicle financing in New Zealand, providing a comprehensive framework for both lenders and borrowers. It is designed to comply with New Zealand's Credit Contracts and Consumer Finance Act 2003, Fair Trading Act 1986, and Personal Property Securities Act 1999. The document is used when a customer requires financing to purchase a vehicle, whether through a dealership or private sale. It includes crucial elements such as loan terms, interest rates, repayment schedules, security interests, insurance requirements, and borrower obligations. The agreement also incorporates mandatory consumer protection provisions and disclosure requirements specific to New Zealand law, making it suitable for both commercial and personal vehicle financing arrangements.
Suggested Sections

1. Parties: Identification of the finance company (creditor), borrower(s), and any guarantors

2. Background: Context of the agreement including the purpose of the loan and vehicle purchase

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Details: Principal amount, interest rate, term, and payment schedule details

5. Vehicle Details: Specific information about the financed vehicle including make, model, VIN, and registration

6. Security Interest: Creation of security interest over the vehicle and PPSR registration details

7. Payment Obligations: Details of payment methods, dates, and consequences of default

8. Interest and Fees: Breakdown of interest calculations and applicable fees

9. Insurance Requirements: Mandatory insurance requirements and obligations

10. Care and Use of Vehicle: Borrower's obligations regarding vehicle maintenance and permitted use

11. Default and Enforcement: Events of default and creditor's enforcement rights

12. General Terms: Standard contract terms including amendments, notices, and governing law

Optional Sections

1. Guarantor Provisions: Additional terms applicable when a guarantor is involved in the agreement

2. Business Purpose Declaration: Required when the vehicle is primarily for business use, affecting CCCFA applications

3. Early Repayment Terms: Specific terms for early repayment if different from standard CCCFA provisions

4. Balloon Payment Terms: Terms for agreements including a final balloon payment

5. Joint Borrowers: Additional terms for multiple borrowers

6. Trade-In Details: Terms relating to any vehicle trade-in affecting the finance arrangement

Suggested Schedules

1. Schedule 1 - Initial Disclosure Statement: CCCFA-compliant disclosure of key information including costs, payments, and fees

2. Schedule 2 - Vehicle Details: Comprehensive vehicle description, condition report, and valuation

3. Schedule 3 - Payment Schedule: Detailed breakdown of all payments including dates and amounts

4. Schedule 4 - Insurance Details: Specific insurance requirements and current policy details

5. Appendix A - Direct Debit Authority: Direct debit setup form for automatic payments

6. Appendix B - Guarantee and Indemnity: Separate deed of guarantee when applicable

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




































Clauses

























Relevant Industries

Financial Services

Automotive

Consumer Credit

Insurance

Retail Banking

Motor Vehicle Sales

Vehicle Leasing

Relevant Teams

Legal

Compliance

Credit

Risk Management

Sales

Operations

Customer Service

Collections

Finance

Document Management

Relevant Roles

Credit Manager

Finance Officer

Compliance Officer

Legal Counsel

Loan Officer

Risk Manager

Collections Manager

Car Sales Manager

Financial Controller

Credit Analyst

Customer Service Representative

Business Development Manager

Operations Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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