Car Loan Contract Template for New Zealand

1. Guarantor Provisions: Required when a guarantor is providing additional security for the loan

2. Co-Borrower Terms: Included when there are multiple borrowers for the same loan

3. Dealer Requirements: Used when the loan is arranged through a specific dealer with additional requirements

4. Variable Interest Rate Terms: Included when the loan has a variable rather than fixed interest rate

5. Payment Protection Insurance: Required when payment protection insurance is being provided with the loan

6. Special Conditions: For any non-standard terms specific to the particular loan arrangement

1. Schedule 1 - Vehicle Details: Detailed description of the vehicle including make, model, year, VIN, registration number

2. Schedule 2 - Payment Schedule: Detailed breakdown of payments including dates, amounts, and allocation between principal and interest

3. Schedule 3 - Disclosure Statement: Initial disclosure statement as required by the CCCFA

4. Schedule 4 - Fee Schedule: Comprehensive list of all applicable fees and charges

5. Schedule 5 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements

6. Appendix A - Direct Debit Authority: Direct debit setup form for automatic payments

7. Appendix B - Guarantor Deed: Required documentation when a guarantor is involved