Here are some reasons why our customers trust us to help them get moving.

We've been around for over 85 years

100% finance available

Competitive fixed rates

24 hour turn-around

Flexible loan terms from 1 to 5 years

Seasonal repayment options

Repayment Calculator


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Or call us on 0800 322 888

This information is provided for illustration purposes only and the results are based on the accuracy of information provided. Any calculations made by this calculator are intended to be used as a guide only. It does not constitute an offer of finance from UDC. As this is only a guide, it is suggested that you contact a UDC Representative on 0800 322 888 to obtain a more accurate quote. Your application is subject to UDC's credit approval process and lending criteria. Additional fees and charges may apply. UDC will not store the information provided in this calculator. UDC does not accept any responsibility for any loss, costs, or liability directly or indirectly incurred by persons who rely on any amount calculated by this calculator.



Three easy steps to apply for a business loan.

1. Complete your application online in under 5 minutes.
2. We’ll process your application and do any necessary checks. The team will be in touch within 24 hours with a decision.
3. Complete your loan documents online and we’ll organise the rest to get you behind the wheel.
Apply Online Now

UDC's terms, conditions, fees and lending criteria apply.



If you have any questions these frequently asked questions may be able to help?

Can anyone apply for a business loan?

Yes, anyone who is a New Zealand citizen or has a New Zealand resident visa can apply for a UDC business loan. You also must be at least 18 years old when applying. All loans will be subject to both our lending criteria and standard lending inquiries being made.

Do I need to have a deposit before I apply?

Not always, UDC can consider financing up to 100% of the loan amount if required. All loans will be subject to both our lending criteria and responsible lending inquiries being made.

Can I get a loan approved before I'm ready to purchase?

Yes. You can apply for a conditional approval to know how much you can borrow before you go shopping. You can apply for the amount you think you need. A conditional approval is valid for 90 days for business loans.

How much can I borrow?

UDC's minimum loan amount is $10,000. You can use our online calculator to estimate what repayments will be and to ensure that they are affordable for you.If you want more than $500,000 contact our Asset Finance Specialists.

What can a business loan be used for?

You can use a business loan to pay for larger purchases such as additional vehicles, machinery or assets rather than using your hard-earned cash.

How do you apply for a UDC business loan?

You can apply online or you can call us on 0800 322 888 and our team can help you out.

How long will it take to get a decision on my business loan application?

We will be in contact with you within 24 hours.

Are there any GST benefits?

GST can be financed and repaid in the 3rd month of the loan agreement. Contact us for more information.

Is a business loan a secured or unsecured loan?

UDC business loans are secured loans which means you will need an asset like the new vehicle you are purchasing to be secured against your loan

What information do I need to provide to complete a business loan application?

• How long you have been in business

• Type of Industry

• Give details on previous Industry and Management experience

• What are the main services / products you provide

• Tell us where you operate and who your customers are

• We may need some additional financial information but we will assess and talk to you about this at the time of application

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Are you an existing customer?

Existing customers can quickly and easily complete an application through myUDC.