Toyota Finance New Zealand

What Toyota Finance New Zealand does

Toyota Finance New Zealand Limited is a privately held, wholly owned subsidiary of Toyota Motor Corporation and a member of the Toyota Group in New Zealand alongside Toyota New Zealand Limited, Aioi Nissay Dowa Management New Zealand Limited, and the operating subsidiaries Kinto New Zealand Limited (trading as Cityhop) and NZ Leisure Limited (trading as Ezi Car Rental). The company's core business is consumer and commercial credit financing for new and used vehicles, originated and serviced through Authorised Toyota Dealers nationwide, with supplemental credit offerings under the Mazda Finance and Power Alliance Finance sub-brands. Pricing is quote-based, monthly-billing, and tailored to each customer's credit assessment under New Zealand's Credit Contracts and Consumer Finance Act 2003 and the Responsible Lending Code, with Toyota Finance participating in comprehensive credit reporting through Equifax and holding Financial Service Provider registration (FSP27861). Beyond credit, the company administers Toyota Insurance through Aioi Nissay Dowa Insurance Company, provides 24-hour roadside assistance to financed-vehicle customers, and — via its wholly owned subsidiaries — offers car rental through Ezi Car Rental (acquired 2 October 2023) and car sharing through Cityhop.

Technology integration is delivered primarily through Toyota New Zealand's Connected Services platform, which surfaces Automatic Collision Notification, SOS Emergency Call, the myToyota Connect mobile application, Stolen Vehicle Tracking and remote vehicle controls to finance customers. The platform is operated through an international vendor stack: Intelematics Australia runs the Emergency Call Centre on Genesys PureCloud and Amazon Web Services, with admin and development supported by Toyota Motor North America, Toyota Motor Corporation Australia and Toyota Connected North America. Identity verification uses IDVerse (delivered via Ridecell) and Jumio Corporation, and navigation services are provided by TomTom. Toyota Finance itself does not expose public APIs or developer SDKs.

The go-to-market motion is enterprise field sales executed through the dealer channel: financing is delivered at the point of vehicle sale across 65+ Authorised Toyota Dealers, with corporate account management for fleet and commercial customers. Revenue is generated primarily through spread-based interest income on the receivables book, recurring insurance commissions and policy administration, transaction fees on mobility services (car rental, car sharing), and ancillary fees tied to roadside assistance and connected services. Headcount for Toyota Finance itself sits in the 51–100 range, set against a wider Toyota New Zealand Group headcount of 2,350+ team members. Corporate leadership is headed by Neeraj Lala as Chief Executive Officer, operating from a national head office in Palmerston North with finance enquiries handled via a P O Box address in Greenlane, Auckland.

Name

Toyota Finance New Zealand

Legal name

Toyota Finance New Zealand Limited

Website

https://toyota.co.nz

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

Toyota Finance New Zealand Limited provides consumer and commercial vehicle financing, motor insurance, roadside assistance, and mobility services (Ezi Car Rental, Cityhop car sharing) for Toyota, Mazda and Power Alliance vehicles through 65+ Authorised Toyota Dealers across New Zealand.

Ownership category

akta.pro rank

Product category

Auto Finance

NAICS

Sales Financing (52222), Sales Financing (522220), Passenger Car Rental (532111)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Dealer Floorplan & Inventory Financing (FSAKADAD), Fleet & Commercial Vehicle Finance (FSAKADAE), Distributor & Dealer Finance (Channel Financing) (FSABAHAE), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

Keywords

• Automotive finance
• Consumer lending
• Vehicle financing
• Motor insurance
• Mobility services

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Vehicle Financing: Provides consumer and commercial credit for vehicle purchases through the Toyota dealer network, including consumer credit contracts and loan products regulated under Credit Contracts and Consumer Finance Act.
2. Insurance Services: Toyota Insurance offerings administered through Aioi Nissay Dowa Insurance Company, providing motor vehicle insurance products.
3. Car Rental (Ezi Car Rental): Revenue from car rental operations through acquired subsidiary Ezi Car Rental, a Kiwi owned and operated rental car business in New Zealand.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Toyota Finance New Zealand provides consumer and commercial vehicle financing through the Authorised Toyota Dealer network in New Zealand, including consumer credit contracts and loan products regulated under the Credit Contracts and Consumer Finance Act. It administers Toyota Insurance products and operates mobility services (car sharing via Cityhop and car rental via Ezi Car Rental) through wholly-owned subsidiaries, while offering connected vehicle services (Automatic Collision Notification, SOS Emergency Call, myToyota Connect app, and Stolen Vehicle Tracking) accessible to its finance customers.

Product overview

Toyota Finance New Zealand operates as a diversified automotive financing and mobility services provider within the Toyota Group. The core offering is consumer and commercial credit financing for vehicles, complemented by roadside assistance and mobility ecosystem services. Toyota Finance's portfolio includes sub-brands Mazda Finance and Power Alliance Finance, wholly-owned subsidiaries Kinto New Zealand (Cityhop car sharing) and NZ Leisure Limited (Ezi Car Rental). The company participates in comprehensive credit reporting, offers responsible lending services compliant with the Credit Contracts and Consumer Finance Act 2003, and provides access to Connected Services features including Automatic Collision Notification, SOS Emergency Call, myToyota Connect app, and Stolen Vehicle Tracking through integration with Toyota NZ's platform.

Differentiator

Problem solved

Functional benefit

Brands

• Cityhop: Car sharing service operated by Kinto New Zealand Limited
• Ezi Car Rental

Products and services

• Toyota Finance Consumer Credit Consumer and commercial credit financing for Toyota vehicles, providing loan products for vehicle purchases with credit assessment, repayment management, and compliance with responsible lending requirements. Offered through Authorised Toyota Dealers across New Zealand.
• Ezi Car Rental Vehicle rental service operated by NZ Leisure Limited, a wholly-owned subsidiary of Toyota Finance New Zealand. Provides car rental services across New Zealand as part of Toyota's expanded mobility ecosystem.
• Cityhop (Kinto New Zealand)

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Ezi Car RentalcoreOthers · 2 October 2023Toyota acquired Ezi Car Rental, a large Kiwi owned and operated rental car business in New Zealand. The acquisition completed on October 2, 2023, as part of Toyota's strategy to expand its mobility ecosystem and focus on car usage and ownership solutions. Ezi Car Rental operates as NZ Leisure Limited under Toyota Finance.
• Kinto New Zealand Limited (Cityhop)coreOthersKinto New Zealand Limited operates as Cityhop, a wholly owned subsidiary of Toyota Finance providing mobility services. Part of Toyota Finance's broader mobility ecosystem expansion.

Scale indicators2 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• UDC Finance: New Zealand finance company providing asset and vehicle finance to businesses and consumers. A direct competitor to Toyota Finance NZ in dealer-arranged asset finance and commercial vehicle lending.
• Finance Now: New Zealand consumer finance specialist offering vehicle loans and personal loans. Competes with Toyota Finance NZ for consumer vehicle financing through dealer and direct channels.
• AA Finance: New Zealand consumer lending arm of the Automobile Association, providing personal loans and vehicle finance. Direct competitor in the NZ consumer vehicle credit market with strong brand association.
• Heartland Group Holdings: New Zealand-based non-bank lender providing consumer finance, vehicle finance, and reverse mortgages. Competes directly with Toyota Finance NZ in the NZ consumer auto credit market with similar product offerings.
• Toyota Finance Australia: Sister captive auto finance subsidiary of Toyota Motor Corporation serving the Australian market. Directly comparable business model (consumer/commercial vehicle credit, dealer floorplan, insurance) operating in a neighbouring, similarly regulated developed market.

Broad incumbents

• Avis Budget Group: Global car rental operator providing comparable rental services to Toyota Finance NZ's Ezi Car Rental subsidiary. Useful benchmark for the rental side of the mobility ecosystem expansion.
• BNZ Personal Lending (Vehicle Finance): Major New Zealand bank offering vehicle and personal loans as part of a broad retail banking franchise. Competes with Toyota Finance NZ for prime consumer vehicle financing.
• BNZ Partners (Commercial): Commercial banking arm providing working capital and asset finance to NZ businesses. Overlaps with Toyota Finance NZ's commercial credit and dealer floorplan activities.

Regional players

• FleetPartners: Australian/NZ fleet leasing and management company. Comparable to Toyota Finance NZ's fleet/corporate finance offering and the broader mobility/leasing strategy pursued via Kinto and Ezi.
• Mazda Finance (New Zealand): Mazda-branded finance offering in New Zealand (operated in part through Toyota Finance NZ itself as a sub-brand, but also comparable in product set). Relevant benchmark for OEM-affiliated captive finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/ToyotaNZ
• Facebookfacebook.com/ToyotaNZ
• Xx.com/toyotanz

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Toyota Finance New Zealand