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What We Finance
Insurance
Calculators
Broker of The Year
2021 & 2022
5 Star Rating
From 364+ Customers
Luxury vehicle finance is a specialist loan solution designed for purchasing high-value prestige, exotic, classic, or performance vehicles in New Zealand.
Unlike a standard car loan, luxury vehicle finance is structured to support higher loan amounts, flexible repayment terms, and vehicles that may retain or increase in value over time.
Whether you’re purchasing a Porsche 911, Range Rover Sport, McLaren, or pre-owned Ferrari, Rostron Finance works with lenders who understand the prestige vehicle market and can align finance terms with the vehicle’s true value.
Rostron Finance has experience arranging loans for a wide range of prestige, exotic, classic, and performance vehicles across New Zealand.
McLaren ◆ Aston Martin ◆ Maserati ◆ Mercedes-AMG ◆ BMW M Series ◆ Audi RS ◆ Range Rover ◆ Porsche ◆ Ferrari ◆ Lamborghini ◆ Bentley◆ Rolls-Royce
High-performance, rare, and limited-production vehicles that require lenders who understand true asset value.
Examples: Ferrari, Lamborghini, McLaren, Porsche GT, Pagani, Koenigsegg, limited-run classics
Prestige vehicles defined by craftsmanship, exclusivity, comfort, and premium ownership experience.
Examples: Rolls-Royce, Bentley, Aston Martin, Maybach, Bugatti, Range Rover Autobiography
High-performance variants from premium European manufacturers — the daily driver elevated.
Examples: BMW M Series, Mercedes-AMG, Audi RS, Porsche Cayenne/Macan, Maserati
Luxury SUVs, specialist 4WDs, heritage vehicles, and collectible cars that may need a more flexible finance approach.
Examples: Range Rover, Lexus LX, Volvo XC90, Cadillac Escalade, vintage Porsche, classic Ferrari, limited-run specials
Luxury vehicle finance comes in a few different structures. Your Rostron broker will help you choose the one that best fits your financial situation and how you plan to use the vehicle.
Secured Car Loan
The vehicle is used as security for the loan. Because the lender holds an asset against the debt, interest rates are typically lower. This is the most popular structure for prestige car purchases and works for both new and used vehicles.
🠪 Best for: most buyers who want the lowest rate
Unsecured Personal Loan
No vehicle security required. Rates are generally higher than secured loans, but you own the car outright from day one. Better suited to older prestige vehicles or private-sale purchases where a secured loan may not be available.
🠪 Best for: older vehicles or full ownership from day one
Business or Commercial Loan
If you're purchasing a luxury vehicle for business use, there may be GST and tax implications worth structuring correctly from the start. Rostron Finance can connect you with lenders who specialise in commercial vehicle finance for company vehicles and fleet additions.
🠪 Best for: business owners, company vehicles, sole traders
If your vehicle doesn't fit a standard category, we have access to specialist lenders who assess on a case-by-case basis. No vehicle is too unique.
Instant Finance Pre-Approval with no impact on your credit score.
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Instant Finance Pre-Approval with no impact on your credit score.
Instant Preapproval
Our powerful lender matching engine will match you with suitable lenders.
Apply to Lender
The fastest ever finance experience! Rostron’s Quick Apply supports direct-to-lender submissions
| Feature | Details | Available |
|---|---|---|
| Interest Rate | From 7.45% p.a. — indicative, subject to lender assessment | Yes |
| Loan Amount | From $20,000 — no upper ceiling for qualified applicants | Yes |
| Loan Term | 1 to 7 years — structured to your cashflow needs | Yes |
| New & Used Prestige Vehicles | Finance new, used, and privately sourced vehicles | Yes |
| Balloon Payment Option | Reduce monthly repayments with an agreed residual at term end | Yes |
| Secured Loan | Vehicle used as security — typically unlocks the sharpest rates | Yes |
| Unsecured Option | Available for qualifying high-credit-quality applicants | Yes |
| Business / Commercial Finance | Chattel mortgage and business car loans for GST & depreciation benefits | Yes |
| Imported & Grey Market Vehicles | Specialist lenders for complied personal imports and grey imports | Yes |
| Comprehensive Insurance | Premium vehicle insurance arranged through Rostron as required by lender | Yes |
| Instant Pre-Approval | Soft inquiry — zero credit score impact at pre-approval stage | Yes |
* Rates and terms are indicative only. Actual rate offered depends on credit profile, financial circumstances, loan amount, term, vehicle type and age, and security provided. Fees may apply.
The Rostron Advantage for Luxury Vehicle Buyers
Rostron Finance works with lenders who understand prestige, exotic, and high-value vehicles. From Porsche and Ferrari to McLaren and Range Rover, we help connect you with lenders who assess the true value of the vehicle
With Rostron Finance, you can finance your luxury vehicle while keeping capital available for investments, business needs, or other opportunities.
Rostron Finance can help structure balloon or residual payment options to reduce monthly repayments and improve cash flow. This may suit clients who regularly upgrade vehicles or prefer to keep repayments lower during the loan term.
For luxury vehicles used for business purposes, Rostron Finance can arrange options such as chattel mortgages and business vehicle loans. These structures may provide potential GST and depreciation benefits, subject to your circumstances and accountant’s advice.
Rostron Finance can help you secure pre-approved finance before you visit a dealership or approach a private seller. This gives you greater confidence when negotiating and allows you to proceed like a serious cash-ready buyer.
Rostron Finance provides a private, professional, and personal service for high-value vehicle purchases. You receive dedicated guidance from application through to settlement, with no generic call-centre experience, just experienced finance support.
It’s kinda hard not to love us
“Rostron helped throughout the whole process of financing my car and also helped with insurance.”
Hannah Clare
“I had the confidence I was getting the best deal. Rostron provided a really simple & smooth process”
Ryan Lee, Kerdic Homes Pty Ltd
Our experience with ROSTRON has been incredible!
This is the first time I have used any external finance broker for any sort of loan. I was always skeptical of using external companies and always preferred to deal directly with banks. But I can definitely say Rostron Finance...
Exceptional Service at Rostron Finance!
Massive thank you to Alexander! The customer service through the entire process of buying a new car has been incredible. Alexander was open, honest and so helpful, you felt like he was going above and beyond to help you. You didn’t feel like just another sale, like how some dealerships make you feel. Honestly ask for Alexander to help you with your finance!
Navigating Financial Solutions with Rostron!
Thank you Hamish from Rostron for absolutely amazing customer service and wealth of knowledge in sorting out our business car loan. Exceptionally fast responses to all our inquiries, attention to detail in preparing our documents, very knowledgeable approach. We dealt with Rostron Finance few times now and each time service exceeds our expectations.
A Five-Star Experience with Rostron's Professional Team!
I had a fantastic experience with Hamish in sorting out my loan for my car. Every question I could think of had an answer, if I had an alternate suggestion, he would hear me out and we would work from there.
Legitimately, I can't sing his praises high enough, and by extension, the company as well.
Exceptional Solutions at Rostron Finance!
I found Rostron Finance via a random google search and it had me intrigued as to why so many great customer experiences (especially with a person named Harrison). Funnily enough, my contact WAS Harrison and from my first contact with him it gave me insight as to why all the brilliant reviews. I can easily say that Harrison's service, attitude, knowledge, expertise and genuine time is first class. Although we didn't get the result we wanted, Harrison went above and beyond. It made the whole experience just that better.
Thank you Harrison, you are a gem!
Top Notch Service with Rostron Finance!
Excellent service from Rostron! Patrick was super helpful and very efficient. From the initial application through to settlement, which only took a couple of days, Patrick was great to deal with. Highly recommend!
With our comprehensive insurance cover, peace of mind is just a policy away.
Comprehensive insurance, refers to a comprehensive coverage policy that offers extensive protection across various domains. It is a type of insurance designed to provide all-encompassing financial security in specific areas, such as health, property, or business. Comprehensive insurance typically covers a wide range of risks and scenarios, ensuring policyholders are well-prepared for unexpected events and potential losses.
Shortfall Gap Cover (Also known as GAP) covers you in the event that your vehicle is written off. Gap cover is recommended for anyone that is financing a large portion, if not all, of their vehicle and is taking out comprehensive insurance. Speak to one of our Rostron Finance specialists about the different covers, exclusions and maximum claim limits before making a decision if this is right for you.
Protect yourself from missing a payment and damaging your credit history. We understand that taking out a new loan can be a big commitment for some people and if something was to happen to you it could put you into financial hardship. Speak to one of our Rostron Finance specialists about Loan protection today.
Navigate the roads with confidence, knowing that Rostron Finance Motor Vehicle Breakdown Insurance has you covered. Whether it's a sudden engine hiccup or a flat tire, our comprehensive coverage ensures you'll never be stranded, offering a reassuring layer of financial protection for your automotive journeys.
Yes. Rostron Finance can help you finance both new and used luxury vehicles, including second-hand purchases from specialist dealers or private sellers. Lender criteria for used prestige vehicles will depend on the vehicle's age, condition, and odometer reading. Newer used vehicles with lower kilometres are generally easier to finance at competitive rates.
Rostron Finance's lender panel can accommodate high-value loan amounts suited to prestige vehicle purchases. The maximum you can borrow depends on your income, credit profile, existing financial commitments, and the value of the vehicle. There is no fixed cap. Your Rostron broker can assess your borrowing capacity before you start shopping.
A deposit is not always required, though having one often improves your chances of approval and the rate you're offered. A larger deposit reduces the loan-to-value ratio, which lowers the lender's risk and typically results in a more competitive interest rate.
Yes. Rostron Finance can help structure a commercial vehicle loan for business owners, company directors, sole traders, and fleet managers looking to add a prestige vehicle. There may be GST and tax advantages to purchasing through a business entity. Your accountant can advise on the best structure before you apply.
No. Rostron Finance offers instant pre-approval with no impact on your credit score. A hard credit enquiry only occurs when you formally apply to a specific lender, which happens after you have reviewed and accepted the proposed loan terms.
Yes. If you're currently financing a prestige vehicle through a dealership or another lender, Rostron Finance can compare your current rate against what's available in the market today. If a better deal exists, we'll help you refinance and potentially reduce your weekly repayments or total interest cost.
Pre-approval through Rostron's matching engine takes approximately 60 seconds with no credit impact. Full loan approval and settlement for a luxury vehicle typically takes one to three business days once you've submitted your formal application.
| Feature | Details | Available |
|---|---|---|
| Interest Rate | From 7.45% p.a. — indicative, subject to lender assessment | Yes |
| Loan Amount | From $20,000 — no upper ceiling for qualified applicants | Yes |
| Loan Term | 1 to 7 years — structured to your cashflow needs | Yes |
| New & Used Prestige Vehicles | Finance new, used, and privately sourced vehicles | Yes |
| Balloon Payment Option | Reduce monthly repayments with an agreed residual at term end | Yes |
| Secured Loan | Vehicle used as security — typically unlocks the sharpest rates | Yes |
| Unsecured Option | Available for qualifying high-credit-quality applicants | Yes |
| Business / Commercial Finance | Chattel mortgage and business car loans for GST & depreciation benefits | Yes |
| Imported & Grey Market Vehicles | Specialist lenders for complied personal imports and grey imports | Yes |
| Comprehensive Insurance | Premium vehicle insurance arranged through Rostron as required by lender | Yes |
| Instant Pre-Approval | Soft inquiry — zero credit score impact at pre-approval stage | Yes |
* Rates and terms are indicative only. Actual rate offered depends on credit profile, financial circumstances, loan amount, term, vehicle type and age, and security provided. Fees may apply.
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