Existing customers

You can apply for an unsecured or secured loan (top up or new). You can call into our Napier loans office or our Hastings loan office, call us on 0800 232 788 or fill in the online application form here…

Establishment Fees + Interest Rates

  • Establishment Fee $99.00 (5 Hundy loan)
  • Establishment Fee $200 (Existing loan)
  • Annual rate of interest 34.75%-37.95%p.a.
  • Default interest rate 47.50% p.a.

Default Fees

  • Default Fee of $5.00 per week for missed payments, charged weekly until arrears paid in full
  • Default Reminder Letters $6.00 per letter
  • Dishonour Fee $10.00, Phone call $6.00
  • Making a payment by cash $5.00 per payment
  • Arrangement to pay arrears $20.00
  • Repossession Notices $65.00, payable immediately with arrears (for secured loans only)
  • Actual costs against Repossession, payable immediately with arrears (for secured loans only)
  • Full repayment (Settling the loan early) $50.00

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