Terms & Conditions

Terms & Conditions for loan example

These Terms & Conditions ("Terms") govern your use of the Quantum Asset Finance website and the broking services we provide. By using our website, requesting a quote, or submitting a Finance Application Form, you agree to these Terms.

Quantum Asset Finance Ltd (FSP 1005650) is an Authorised Body of Quantum Finance Limited (FSP 751471), the Licence Holder regulated by the Financial Markets Authority.

About our service

Quantum Asset Finance Ltd is a finance broker specialising in vehicle and asset finance. We work with a panel of over 50 accredited New Zealand lenders to find finance solutions that suit our clients' needs. The specific lender(s) recommended for your application will be confirmed in writing before settlement.

Insurance: AUTOSURE (with alternative providers available via referral where appropriate).

A current list of our lender and insurance panel is available on request by emailing [email protected].

Terms & Conditions for loan example

Quantum Asset Finance Example:

Consider this:
Borrowing $12,000 across 36 months at an interest rate of 15.95% p.a. means you'll repay a total of $18,545.44, covering all fees and interest.

At Quantum Asset Finance, we specialize in loans spanning a minimum of 12 months to a maximum of 84 months. Our interest rates currently vary from 8.95% APR to a maximum of 25.95% APR. Your specific rate will hinge on factors like your credit history, the security you offer, and your overall credit profile.

It's important to note:

All approvals comply with the lender's credit criteria and responsible lending standards under the Credit Contracts and Consumer Finance Act 2003 (CCCFA). The loan amount and interest rate offered are contingent upon your personal circumstances, the type of lending required, and the security provided (if any). Additional terms, fees, and conditions from lenders are applicable.
Results from our calculator are illustrative and based on limited financial information you provide. They are not approvals, pre-approvals, or quotes. The calculation uses an example rate of 9.95% p.a., featuring amortized scheduled repayments with a fixed interest rate throughout the loan term.
Our rates span from 8.95% to 25.95% APR with a maximum term of 84 months (7 years).

Responsible lending and CCCFA

All loans we arrange are subject to the lender's credit criteria and the responsible-lending standards under the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code.

As part of any finance application, you will be required to provide confirmation of all income and expenditure details, and we (or the lender) will undertake reasonable inquiries to satisfy ourselves that the loan will meet your requirements and objectives, and that you will be able to make repayments without substantial hardship.

Privacy and credit checks

By submitting an application or using our services you consent to the collection, holding, use and disclosure of your personal information as set out in our:

Privacy Notice
Centrix / Illion / Veda Consent Clauses

These documents include details of how we comply with the Privacy Act 2020 (including IPP3A — notification of indirect collection, effective 1 May 2026) and the Credit Reporting Privacy Code 2020.

How I get paid

Upfront commission:
Is a one-off payment from the Lender to Quantum Asset Finance on settlement, a percentage of which is paid to me.

Clawback:
If you choose to repay or refinance your asset your Lender may 'clawback' the original commission payment from me according to their clawback rules. I'll let you know if this applies to you.

One-off fees:
If you've requested my services, I may charge you a one-off fee if Quantum Asset Finance doesn't receive a commission from your lender. This fee is based on an estimate of the time spent completing your service.

Full fee details, where applicable, will be disclosed to you in writing before you proceed.

Financial hardship

If you experience financial difficulty during the term of your loan, you have rights under the CCCFA to apply to your lender for a hardship variation. We can help you initiate this conversation with your lender. Please contact us as soon as possible at [email protected] or 0508 300 500.

Complaints and dispute resolution

If you have a concern about our services, please contact us first:

Email: [email protected]
Phone: 0508 300 500
Complaints form: available at www.quantumassetfinance.co.nz

If we cannot resolve your complaint to your satisfaction, you may refer it to our independent Dispute Resolution Scheme:

Financial Services Complaints Limited (FSCL)
Web: www.fscl.org.nz
Phone: 0800 347 257
Email: [email protected]

FSCL's service is free to consumers.

Website use

Information on our website is provided for general information only and may be updated or changed without notice. While we take care to ensure information is accurate, we make no warranty as to its accuracy, completeness or suitability for any particular purpose. To the maximum extent permitted by law, we exclude liability for any loss or damage arising from your use of, or reliance on, information on our website.

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of those third parties.

Intellectual property

All content on this website, including logos, text, images and design, is owned by Quantum Asset Finance Ltd or the Quantum Group and is protected by New Zealand copyright and trade mark law. You may not reproduce, copy or distribute any content from this website without our prior written consent, except for personal, non-commercial use.

Variation of these Terms

We may update these Terms from time to time. The "Last updated" date at the bottom of this page will indicate when the most recent change was made. Continuing to use our website or services after a change is published indicates your acceptance of the updated Terms.

Governing law

These Terms are governed by New Zealand law. Any dispute arising under or in connection with these Terms is subject to the exclusive jurisdiction of the New Zealand courts.

Contact us

Quantum Asset Finance Ltd (FSP 1005650)
B2/99 Greenwood Street, Frankton, Hamilton 3204
PO Box 5301, Frankton, Hamilton 3242
Email: [email protected]
Phone: 0508 300 500
Website: www.quantumassetfinance.co.nz