Mazda Future Value is a product where the minimum value of your Mazda at the end of your loan term (subject to fair wear and tear conditions and agreed kilometres being met) is agreed when you buy your new Mazda. This means that with Mazda Future Value if you decide to return your car at the end of the loan term, you can feel confident knowing how much your Mazda will be worth to us. You will also enjoy lower regular repayments^ compared to a standard personal car loan as your repayments are based on the value of the car excluding the Mazda Future Value.

We calculate the Mazda Future Value based on market data for similar vehicles to your Mazda. Those vehicles are the same age as your Mazda will be at the end of the loan term and have travelled comparable kilometres to those that your Mazda will have travelled by the end of the loan term based on the agreed kilometre allowance.

With Mazda Future Value, you have the choice of trading, keeping or returning your Mazda at the end of your loan term. If you choose to trade your Mazda, you can discuss new vehicle options with your Dealer. If you want to keep your Mazda, you can pay the final payment equal to the Mazda Future Value† or subject to approval, you can refinance the final payment. If you choose to return your Mazda, you can take advantage of the Mazda Future Value, as Mazda Finance will put this against your final payment. You will then only have the return fee to pay** (subject to fair wear and tear conditions and agreed kilometres being met).

Before the end of the agreed term under your Mazda Future Value Agreement an independent inspector will assess the condition of the vehicle to determine whether there is damage or excess wear and tear. The inspector will determine the cost to repair the vehicle and to reinstate it to the required fair wear and tear standard. You will be advised of the details of the damage and/or excess wear and tear and the associated reinstatement and repair cost. If you choose to arrange your own repairs before returning your vehicle for inspection, these repairs must be completed to a professional standard which meets the required fair wear and tear standard. All documentation evidencing the repairs must be provided. The independent inspector will make the final determination on whether your vehicle meets the required fair wear and tear standard.

Any reinstatement and repair costs remaining following the final determination by the independent inspector will form part of the final payment at the end of your agreement.

Mazda Future Value offers lower regular repayments than a standard loan over the same term. Since your loan interest is calculated on a larger principal amount due to the Mazda Future Value remaining part of the outstanding balance for the life of the loan, the total interest that you will pay over the loan term is higher than that of a similar loan amount and term without a final balloon payment. We recommend that you seek independent financial advice to determine whether this product is suitable for you.

Mazda Future Value is not a lease, it is a loan. You own the car, but Mazda Finance holds a security interest over your car until it is paid off.

Yes. You can settle your car loan at any time. The Mazda Future Value would not be applicable if you choose to sell your car privately (or if you choose to repay your loan early for any other reason).

If you have any more questions, head over to Mazda.co.nz/future-value or talk to your local Mazda Dealership.

Mazda Future Value can be found HERE