Financial Services Policy Disclosure
Our loan terms are from 1 year to 4 years and our annual interest rates are fixed for the term of the credit contract. Our annual interest rates range from 22.95% to 29.95% with the default interest rate being an additional 10% per annum. The interest rate is determined by your credit profile, the security offered and several other factors that are calculated in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA).
Your credit contract will show your annual interest rate and all applicable credit fees and charges. Refer to ‘Our Fees and Charges’ document on this page for a full list of our fees and charges.
Terms & Conditions
Fees and Charges
Privacy Consent Form
Responsible Lending Guidelines
When you apply for a loan, we as the lender, has some responsibilities to you. We need to make sure that we understand your situation and your needs. This brochure tells you what a responsible lender will do to help you and make sure you don’t get a loan that you can’t repay.
The Code of Responsible Borrowing
This Code is for anyone thinking about taking out a loan or entering into a credit contract. It will also help you avoid penalties, repossession, stress and heartache. It establishes minimum expectations for New Zealanders considering a loan or credit contract.
Direct Debit Form