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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. 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.

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:

 
 
2.99% finance over 48 months

Valid: 1 April 2025 to 30 June 2025
Qualifying brand(s): Polaris
Qualifying product(s): All 2023-2025 Ranger models, all 2023-2024 General models, all 2024 Xpedition models, and all 2023-2024 RZR models, except excluded models
Excludes: RZR 200

TERMS & CONDITIONS:

Business Finance (DLL)

* 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 48 month term, for full promotion details and structure please contact your Polaris Sales Representative. Offer ends 30/6/25.

Private Consumer Finance (UDC)

* The interest rate of 2.99% p.a. is fixed for the 48-month term of the loan and applies to the Polaris MY23 – 24 Ranger, MY 24 Expedition and MY23 – 24 RZR Models financed before 30 June 2025. A 20% deposit, PPSR fee of $10.35, a monthly maintenance fee of $2, a UDC loan fee of $250 and a dealer origination fee will apply. The loan is provided by UDC Finance Limited. UDC’s lending criteria and standard terms and conditions apply. This Finance offer is only available from 01/04/2025 to 30/06/2025 (while stocks last) at RRP only. The loan is provided by UDC Finance Limited. UDC Finance Limited’s lending criteria, standard terms and conditions apply. This offer cannot be used in conjunction with any other discounts or 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.

18 months interest-free

Valid: 1 April 2025 to 31 May 2025
Qualifying brand(s): Billy Goat
Qualifying product(s): All wholegoods
Excludes: Parts and accessories

TERMS & CONDITIONS:
18 months interest free is available on Long Term Finance (LTF). Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply. Rates and fees subject to change. New customers need to apply and be approved for a Q Mastercard credit card. 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. Offer valid to 31 May 2025. Excludes accessories.