Personal Car Loan Agreement Template for New Zealand

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

2. Insurance Requirements: Detailed section when specific insurance requirements beyond standard comprehensive insurance are needed

3. Special Conditions: For any non-standard terms specific to the borrower or vehicle

4. Electronic Disclosure Consent: Required if communications and disclosures will be made electronically

5. Prepayment Terms: Detailed section on early repayment calculations and fees if offering special prepayment options

6. Joint Borrowers: Required when multiple borrowers are jointly taking the loan

1. Schedule 1 - Vehicle Details: Comprehensive 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 - Initial Disclosure Statement: Required under CCCFA, including key information about the loan terms, fees, and charges

4. Schedule 4 - Insurance Requirements: Specific insurance requirements and minimum coverage levels

5. Appendix A - Fee Schedule: Comprehensive list of all applicable fees and charges

6. Appendix B - Direct Debit Authority: Form for setting up automatic payments if applicable