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Finance Options

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Action Equipment offers a number of finance options to help you purchase the equipment you need for your home, land or farm.

Action Equipment accepts payment up to $1000 by Zip or up to $4000 by Afterpay. You pay just 25% up front, with the balance paid off in three equal fortnightly payments, conveniently charged to your card. You’re not charged any interest or fees at all, provided instalments are paid on time.

We also offer financing through several other companies. Some have relationships with the manufacturers of products available from Action Equipment, which means we can offer special rates from time to time on particular products. Please ask in-store about current financing opportunities.

For example, through Q Mastercard, these are typical terms:

  • Annual Account fee of $50 applies.
  • An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.
  • Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
  • Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
  • Standard Interest Rate applies to any outstanding balance at end of interest free period.
  • Lending criteria, fees, T&Cs apply.
  • Rate and fees are subject to change.

Finance New Zealand

More lenders. More options. Competitive finance for Action Equipment customers, delivered by finance experts with ongoing support.

Working with Finance New Zealand

Partnering with Finance New Zealand means gaining access to a dedicated finance expert who works solely in your best interest. From the moment you engage with them, they take the time to understand your business, your goals, and the challenges you may be facing.

What you can expect from Finance New Zealand:

  • Personalised, relationship-based service
  • Finance solutions delivered from over 40 trusted funding partners, including major banks and specialist lenders
  • Expert advice on structuring finance for new purchases, refinancing, or business expansion
  • Transparent communication throughout the process so there are no surprises
  • Finance New Zealand work for you – not the lender. That means their advice and recommendations are driven by what’s best for your business.

Learn more about Finance New Zealand’s services.

MTF

Talk to your local money experts at MTF First Avenue about their:

  • Straight-forward process
  • Personal service with same-day approval
  • Customers’ trust – and they’ve got the badges to prove it

You can start your relationship with MTF by applying online.
Responsible lending criteria and checks, terms and conditions apply. See mtf.co.nz/terms.

Fees, terms, conditions and lending criteria apply to all finance options and offers.

OUR CURRENT FINANCE OFFERS:

 
 
12 months interest-free

Valid: From 1 September 2023
Qualifying brand(s): Husqvarna
Qualifying product(s): All purchases $499 and over

TERMS & CONDITIONS:
Lending criteria, $50 annual Account Fee, fees, Ts & Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 28.95% p.a.) applies at the end of LTF Interest Free Period. (See Ts&Cs for Q Mastercard Standard Interest Rate applicable to outstanding balance of a Standard Purchase.) Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts & Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

3.99% Finance

Valid: 1 April 2026 to 30 June 2026
Qualifying brand(s): Polaris
Qualifying product(s): All 2024-2026 Ranger and 2025-2026 Sportsman (excluding Sportsman 450)

TERMS & CONDITIONS:

BUSINESS FINANCE

*Finance offer only available at participating Polaris Dealers and on selected models as stated and is not valid with any other promotions. Finance is provided by Polaris Finance, a program operated by De Lage Landen Limited Company No 1355515 and available for business purposes only on a Hire Purchase Agreement. Credit approval, fees, terms and conditions apply. Finance is based on a 24 or 36 month term, for full promotion details and structure please contact your Polaris Sales Representative. Offer ends 30/6/26.

PRIVATE CONSUMER FINANCE

Offer 1: 36 Months | 20% Deposit | Monthly Repayments
^The Polaris Finance offer is based on a 3.99% p.a. interest rate fixed for the 36-month term of the loan. This offer applies to eligible new MY24-MY26 Ranger & MY25-26 Sportsman (excludes Sportsman 450 EPS), financed on or before 30 June 2026 (or while stocks last). An up-front deposit equivalent to 20% of the RRP is required plus the cost of any accessories fitted, and the fees detailed below. With 36 total monthly payments required. A $130 UDC establishment fee, $10.35 PPSR fee, monthly maintenance fee of $2 and $250 dealer origination fee applies. This offer is available at participating Polaris dealerships only and is not available in conjunction with any other finance offer, promotion, or discount. Polaris Finance is provided by UDC Finance Limited. Any loan is subject to responsible lending inquiries. UDC’s loan eligibility criteria, fees, terms, and conditions apply.

Offer 2: 1/3 1/3 1/3
^This Polaris Finance offer is based on a 3.99% p.a. interest rate fixed for the 24-month term of the loan. This offer applies to eligible new MY24-MY26 Ranger & MY25-26 Sportsman (excludes Sportsman 450 EPS), financed on or before 30 June 2026 (or while stocks last). An up-front deposit of one-third (1/3) of the RRP is required plus the cost of any accessories fitted, and the fees detailed below. Two further payments of 1/3 of the RRP (interest bearing) are to be paid on the one-year loan anniversary and the two-year loan anniversary. A $130 UDC establishment fee, $10.35 PPSR fee, monthly maintenance fee of $2 and $250 dealer origination fee applies. This offer is available at participating Polaris dealerships only and is not available in conjunction with any other finance offer, promotion, or discount. Polaris Finance is provided by UDC Finance Limited. Any loan is subject to responsible lending inquiries. UDC’s loan eligibility criteria, fees, terms, and conditions apply.