Škoda finance
Choosing a Škoda is more than just adding a new car to your garage — it’s about making a smart decision that fits your lifestyle. Whether you're looking to own, lease, or insure your vehicle, we’ll help you build a tailored solution that works for your needs, your budget, and your journey. Because when you choose Škoda, you choose to Live Smarter.
Škoda SmartChoice
Drive away with 7.95% finance
When it comes to financing your new Škoda, we make it easier than ever to drive away in the car you love. Enjoy a low 7.95% interest rate with flexible finance terms, available through either a credit agreement or a Guaranteed Minimum Future Value (GFV) finance plan.
To give you even more value, every finance package includes a 3-year Smart Service Plan, built into your weekly payments—so you can keep your Škoda in top condition without any unexpected costs.
T&Cs
The Škoda SmartChoice finance package is a flexible finance package that allows you to choose between a Credit agreement or Škoda Guaranteed Minimum Future Value agreement, with a 7.95% p.a interest rate and the option of a 3-year Škoda Smart Service plan (valued at $1,100) included in your repayments. Škoda non-maintained and fully maintained lease options are also available.
This Škoda Finance 7.95% p.a. interest rate offer is fixed for the term of the loan and available for terms up to 60 months, from no deposit required and with a range of end of term residual or Škoda Guaranteed Minimum Future Value payment options depending on your chosen loan term. A PPSR fee of $10.35, monthly maintenance fee of $2, UDC loan fee of $130 and dealer origination fee will apply (your dealer can tell you their applicable fee). This 7.95% p.a. offer is available on all new Škoda vehicles financed from 1 September 2025 until otherwise advised. Škoda Finance and Škoda Future Value is provided by UDC Finance Limited. UDC’s lending criteria and standard terms and conditions apply. Škoda Guaranteed Minimum Future Value terms and conditions apply.
Skoda finance and leasing
Personal finance
We’ve put together a range of finance plans that could help you get a lot more Škoda than you were expecting.
Business finance
We offer business finance plans designed to allow you the peace of mind to concentrate on what’s really important – your business.
Apply for finance
If you're ready to take the next step towards financing your new Škoda you can either complete our Finance enquiry form below and a Škoda representative will be in touch as soon as possible, or you can complete our online application form.
Škoda Motor Vehicle Insurance
Škoda Motor Vehicle Insurance provides quality service and support when you need it. Our policy, tailored specifically for Škoda drivers, includes numerous benefits and extras—exactly what you’d expect from Škoda.
Škoda finance & leasing
Škoda finance is provided by UDC Finance Limited. For further information, please visit udc.co.nz.
UDC finance terms, conditions and useful information:
Finance is provided by UDC Finance Limited. Approvals are subject to responsible lending inquiries. UDC's loan eligibility criteria, fees, terms and conditions apply. For more information on UDC's Consumer Credit Contracts, Rates & Fees and Terms & Conditions please click here.
*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.
Škoda operating leases are provided by Euro Rate Leasing Limited. For further information, please visit eurorate.co.nz.
**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.