Car Payment Plan Contract Template for New Zealand

1. Trade-in Details: Used when there is a trade-in vehicle involved in the transaction, specifying details and value of the trade-in vehicle

2. Guarantee: Required when there is a guarantor providing additional security for the payment obligations

3. Early Payment Provisions: Details early payment options and any associated fees or benefits, if early repayment is permitted

4. Insurance Requirements: Detailed insurance requirements beyond standard obligations, used when specific insurance terms are necessary

5. Maintenance Agreement: Used when including specific maintenance or service requirements as part of the payment plan

6. Dealer Warranties: Additional warranty terms when offered beyond statutory guarantees

1. Schedule 1 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest

2. Schedule 2 - Vehicle Condition Report: Detailed report of the vehicle's condition at the time of sale, including any existing damage or issues

3. Schedule 3 - Disclosure Statement: Mandatory disclosure information required under the Credit Contracts and Consumer Finance Act

4. Appendix A - Vehicle Documentation: Copies of vehicle registration, WoF, and service history

5. Appendix B - Insurance Requirements: Detailed specifications of required insurance coverage

6. Appendix C - Fees Schedule: Complete listing of all applicable fees including default fees, administration charges, and early repayment fees