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Need to upgrade your machinery and equipment?

Whether you're looking to purchase new or used machinery, farm equipment, or vehicles, we could help you fund it. Get access to unsecured lending for loans of up to $100,000 and secured lending for larger amounts with Heartland’s asset finance.

Are you eligible?

If you tick the following boxes, you're good to go!

  • I'm a registered business, partnership, sole trader or a simple trust.
  • I'm a NZ citizen or permanent resident.
  • I have valid ID and proof of my address.
  • My business is located in New Zealand.
  • My credit looks good – I have never been bankrupt and I haven't had any unpaid defaults in the past five years.

How does Heartland’s asset finance work?


Apply online Complete your application in just three minutes from your mobile phone, tablet or laptop. For loans over $100,000, please call 0800 80 91 91.


Provide your documents Provide supporting documents and information to finalise your application.


We’ll verify your information We’ll verify the information you’ve given us and conduct any further checks required.


Verify your identityWe’ll verify your identity with our facial recognition technology.


We’ll pay the vendor directlyOnce approved, we’ll deposit your funds into your nominated account.

Questions? We have answers

Heartland offers loan terms of up to ten years with regular principal and interest repayments.
Interest rates vary based on your current situation. Interest rates start from 8.70% p.a. We will advise the interest rate for your loan when we review your application.
The minimum asset loan amount is $10,000. We will need additional information and partial security for any amount over $100,000. Any amount over $250,000 will require full security.
Yes, you can. You don’t have to bank with Heartland in order to take out asset finance. Our loans are designed to work in conjunction with your existing everyday business bank account.
Depending on the purpose of the loan, we will distribute the funds accordingly. If you are buying new assets we’ll usually pay the funds directly to the vendor. This allows us to register our security interest. It will also mean you won’t have to worry about arranging payments and can focus on your new asset.
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