We’re committed to being 100 percent transparent when you take out a loan with us.  We simply don’t make false claims, hide costs, or spring nasty surprises down the track. What we do is no nonsense competitive rates everyday.

Our interest rates are fixed and range from 9.95% – 28.99% p.a. Our terms range from 6 months to 5 years.

The rate charged and the term of your loan will depend on your financial circumstances and take into account:

  • How much you want to borrow
  • Security being offered
  • Your income
  • Your other financial commitments
  • Your credit history

Default Interest

Consumer Lending

If your account goes into arrears you will be charged default interest from the time you fall into arrears until you are no longer in arrears. Default interest is 10% greater than the annual interest rate charged on your loan. Default interest is calculated at the rate of one 365th of the annual default interest rate charged on the due but unpaid amount and will be charged to your account on the same date as your scheduled instalment.

Business Lending

Default interest is 6% per annum greater than the rate shown for interest in the interest section charged and compounded daily at the rate of one 365th of the annual default interest rate charged on the unpaid balance and other overdue amount from the time that the borrower falls into default until the borrower is no longer in default.  Default interest is charged to the borrower’s account.

 

Phone our friendly team today on 0800 25 10 10 to see what you may qualify for.

Apply now

 

“Professional service & most importantly - straight up.”

Scott, Taupo

“Fast service, fast responses, fast payment.”

Sharon, Hastings

“Thanks for going all out to approve our loan.”

Mr Tupou, Christchurch