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Loan repayments amounts are calculated on an interest rate of 10.95%. They are an indication only and do not constitute an offer of finance. All loans are subject to the finance company credit and lending criteria, and fees apply. Interest rates and actual repayment amounts will vary depending on a number of factors including amount borrowed, security offered, deposit paid and applicant's credit rating.
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Finance & Insurance

Simon Lucas North Shore offers tailor made solutions to make buying a new or late model Mitsubishi or Great Wall vehicle as easy and affordable as possible. Our suite of Mitsubishi Finance products includes credit contracts, full maintenance and non maintenance leasing, no and low deposit finance, New Zealand's Best Car Deal, deferred payments, seasonal payments - in fact we go out of our way to find the perfect solution for your needs.

Our service is highly competitive and completely confidential

There is no need to put your house up as security, or burn up other valuable lines of credit elsewhere.

Contact us today and ask about how affordable we can make your next Mitsubishi or Great Wall vehicle.

Consumer Credit & Business Credit

This also is based on the vehicle of your choice, and is also owned by you, the customer. Once again, you have the option of putting in a deposit, or you can base it upon a no deposit deal. Payment options are flexible, and include residual (balloon) payment options as well, subject to finance company approval. If you are GST registered, you can claim the full amount of GST paid on the vehicle when you complete your next return. We can then put this amount into your payments to reduce the amount paid per month if you so require.

There are two types of Leases available, Operating Lease and Financial Lease (known also as Lease to Own). An Operating Lease has two options also, Fully Maintained and Non Maintained. Also available is the standard Hire Purchase Contract.

Operating Lease - Maintained

This is a vehicle chosen by you but owned by the lease company. All Service, WOF and Registration costs are included in the monthly payment, with the only costs required by you, the customer is the normal day to day running. Tyres are normally included also, on a replacement cycle of a new set every 40,000km's traveled. These can be excluded though, talk to us regarding the best option to suit your needs. At the end of the lease term, the vehicle is handed back to the lease company and you walk away with no further obligation to the vehicle.

Operating Lease - Non Maintained

Once again, this is a vehicle chosen by you but owned by the lease company. However all Service, WOF and Registration costs are met by you, the customer, in addition to the normal day to day running costs. Again, at the end of the lease term, the vehicle is handed back to the lease company and you walk away with no further obligation to the vehicle.


To ensure complete transparency for you, our customer, please follow this link and find the Finance Mitsubishi's standard form contract terms and costs of borrowing

Also you can find below the costs of borrowing and standard form contract from UDC:
Standard fees and charges 

Standard Contracts / Terms and Conditions

Credit Sale Agreements

Terms and Conditions

Term Loan and Security Agreement (if applicable)


  • What the borrower should do if they change their address.
  • How a borrower makes a complaint.
  • What dispute resolution schemes we belong to, and how a borrower accesses them.
  • How a borrower can apply for unforeseen hardship relief.
  • What happens if a borrower defaults under the agreement, including, if relevant, repossession.




UDC Lending rates vary from 9.85% p.a. to 14.85% p.a. Interest rates are fixed for the term of the loan. Rates vary depending upon many factors including the amount of lending, the term of the loan, size of deposit, customer credit history and customer risk profile.