Škoda finance
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.
Škoda finance
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.
Finance calculator
Use our Škoda finance calculator to explore examples of some of our products. Simply enter the vehicle details and then choose the finance solution that you think best suits you.
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.
Personal finance
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 minimum future value is a flexible finance solution that provides you with the assurance of knowing exactly what the minimum value of your vehicle will be down the track. At the end of your loan, you have the option to trade in, retain or return your vehicle. The choice really is yours.
Key benefits:
• Fixed interest rate
• Flexible payment terms (24, 36 or 48 months)
• Choose your preferred kilometre limit
• Guaranteed Minimum Future Value
Operating lease**
Takes away the hassle of ownership. When the lease term ends, the vehicle is returned to us and you then have the option to take out a new lease and upgrade to the latest Škoda model.
Key benefits:
• Selected new Škoda vehicles only
• Maintained options & non-maintained
• Agreed payment term (e.g. 36 months, 45 months)
• Choose your preferred kilometre limit
To find out more visit eurorate.co.nz.
*Škoda finance is 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.
**If you wish to lease a Škoda, this must be from one of our approved dealers. Consumer 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.
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.
Business finance
Credit agreement*
A credit agreement is one of the simplest and most popular ways to own your Škoda.
Key benefits:
• Fixed interest rate
• Tax benefits for GST registered businesses
• Security interest over your Škoda only
• Tailor your payments to suit your cashflow
Business lease**
Perfect for businesses who want regular upgrades. When the lease term ends, the vehicle is returned to us and you then have the option to take out a new lease and upgrade to the latest model. Residual value applies.
Key benefits:
• Selected new & used Škoda vehicles only
• Unlimited kilometre allowance
• Tax benefits for GST registered businesses
• Agreed payment term (e.g. 37 months, 45 months)
Operating lease***
Tailored solutions to drive your business forward. When the lease term ends, the vehicle is returned to us and you then have the option to take out a new lease and upgrade to the latest model.
Key benefits:
• Selected new Škoda's only
• Maintained options or non-maintained
• Agreed payment term (e.g. 36 months, 45 months)
• Choose your preferred kilometre limit
• Tax benefits for GST registered businesses
*Škoda finance is only available when you purchase your Škoda from one of our approved dealers. Škoda finance is subject to lending & credit criteria being met. When considering this option, we recommend that you seek independent financial / legal advice.
**If you wish to lease a Škoda, this must be from one of our approved dealers. Business leases are subject to Škoda finance lending & credit criteria being met. When considering this option, we recommend that you seek independent financial / legal advice.
***If you wish to lease a Škoda, this must be from one of our approved dealers. Operating leases are provided by Euro Rate Leasing and are subject to their lending & credit criteria being met. When considering this option, we recommend that you seek independent financial / legal advice.
Škoda finance
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.