FAQs

Our interest rates range from 8.95%* p.a. to 24.95%*. Your interest rate will be based on your financial circumstances, how much you’d like to borrow, the term of your loan, your income and your credit history.

You can see more here on our Interest Rates & Fees page.

A member of our finance team will be in contact with you within 1-2 hours to help make a tailor-made loan just for you.

• I am a NZ Citizen, or hold a NZ Resident or NZ Work Visa
• I am employed full time, part time or I am self-employed
• I earn more than $500 per week
• I need a loan of $3,000 or more
• I am 18 years or older
• I am not currently bankrupt
• I have a current NZ Driver’s Licence or Passport
• I am not suffering financial hardship

Yes we can offer finance with no security. Your application will then be based off your income and credit history etc.

We want to ensure you are in the best financial position, so we aim to consolidate all of your debts into a single loan.

The loan can be used for a variety of reasons, for example, to consolidate debt, buy a new car, take a holiday, and other approved uses.

A loan establishment fee and/or broker fee of up to $999 applies and is added to the total amount borrowed.

You must be 18 years of age or older to apply for a loan with us.

We provide loan terms from 1 to 5 years. Loan terms are structured to personal needs and can be repaid weekly, fortnightly or monthly.

Acceptable forms of security are Vehicles, Trailors, Assets with registration numbers and property owned in the borrowers name. We do not accept chattel securities.

We are always looking at ways to improve our service to our customers, if something has gone wrong, we want to know. Please send us an email at [email protected], or call us on 0800 461 228 so we can discuss with you.

You can also write to us at:

Complaints officer
86 Moorhouse Avenue, Addington, Christchurch.
FSCL Number – 7539

When we receive a complaint, we will:

• Acknowledge your complaint within 1-2 working days.
• Initiate our complaints process according to our Complaints Management
  Policy.
• Gather and evaluate information about your complaint.
• If your complaint cannot be resolved immediately, we will provide you with
  a copy of our Complaints Disclosure document.
• Respond to you within 20 working days.

If we cannot agree on how to resolve the complaint, you can contact Financial
Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external
dispute resolution scheme approved by the Minister of Consumer Affairs.

FSCL’s service does not cost you anything and they will help resolve the complaint. You
can contact FSCL:

1. by calling 0800 347 257
2. by emailing [email protected]
3. through FSCL’s website: www.fscl.org.nz
4. by writing to: FSCL, PO Box 5967 WELLINGTON 6011

Don’t be afraid to ask us –

We welcome any questions or queries you have in relation to this important information
but more importantly, we look forward to working with you.