Personal finance
Škoda finance makes it easy to drive the Škoda you want.
We offer flexible finance and leasing options for private customers, giving you confidence and control over your budget.
With a wide range of finance products, you can upgrade to a new or used Škoda regularly—so you always enjoy the latest features and technology.
Personal finance options
Operating lease**
No ownership hassles—just easy upgrades. When your lease ends, simply return the vehicle and choose to upgrade to the latest Škoda model. It’s a smooth, stress-free way to stay behind the wheel of something new.
Key benefits:
• Selected new & demonstrator Škoda vehicles only
• Maintained options or non-maintained
• Agreed payment term (e.g. 12 - 48 months)
• Choose your preferred kilometre limit
To find out more visit eurorate.co.nz.
Credit agreement*
A credit agreement is one of the simplest & most popular ways to own your Škoda.
Spread your costs over fixed weekly or monthly payments, add in a 3-year Smart Service Plan to your payments, for worry-free servicing.
Then once all payments are made, the car is yours.
Key benefits:
• Fixed interest rate
• Agreed payment term (24 - 48 months)
• Security interest over your Škoda
Check out our Fees, Rates and Documentation.
Guaranteed Future Value*
Škoda Guaranteed Future Value gives you a flexible finance option with peace of mind built in.
From the start, you’ll know the minimum value your Škoda will be worth at the end of your term. Enjoy low fixed repayments, and when your term ends, choose to renew, retain, or return—the choice is yours.
Key benefits:
• Fixed interest rate
• Flexible payment terms (24, 36 or 48 months)
• Choose your preferred kilometre limit
• Guaranteed Minimum Future Value
Drive smarter
Use our Škoda Finance Calculator to help choose the finance product that best suits your needs, or contact us and we'll help you find the right option to get you on the road with confidence.
Škoda finance & leasing
Škoda finance is provided by UDC Finance Limited. For further information, please visit udc.co.nz. Operating leases are provided by Euro Rate Leasing Limited - for further information please visit eurorate.co.nz.
*Škoda Finance, Business Lease and Škoda Guaranteed Future Value packages are provided by UDC Finance Limited. UDC’s lending criteria and standard terms and conditions apply. Škoda Guaranteed Minimum Future Value terms and conditions apply. Finance and Business Lease packages are only available when you purchase your Škoda from one of our approved dealers. Škoda finance is subject to lending & credit criteria being met including, after inquiry, whether the finance would meet your requirements and objectives, you can make payments and that any guarantor can comply with a guarantee, without suffering hardship. When considering this option, we recommend that you seek independent financial / legal advice.
**Consumer and Business Operating Leases are provided by Euro Rate Leasing Limited and are subject to their lending & credit criteria being met. When considering this option, we recommend that you seek independent financial / legal advice. Operating Lease packages are only available when you purchase your Škoda from one of our approved dealers.