Frequently Asked Questions

If you can’t find the info you need, just call us on 0800 232 788.
Any information you need on loans in Napier or loans in Hastings, the friendly team at Fast Track Hawkes Bay are ready to help!

We believe every customer is an individual, so our one-on-one personal interviews help us establish exactly how much you can afford to borrow. Starting with our 5Hundy loan, then the Easy K and then into secured borrowing.

If you have all the required documents to support your application, we do our best to process a loan in less than two hours.

Our interest rates are determined by a number of factors, such as the amount of the loan, the security offered, and the term of the loan. Please refer to our fees page for up to date information. Setup fees and other charges apply.

Our repayment period ranges from three months to a maximum of 24 months.

At Fast Track Finance, all applications are assessed on an individual basis. Initially, we may provide a limited loan to give you the opportunity to build a good credit history with us.

You must be at least 18 years of age to apply for any form of credit or finance.

Our payments are by Direct Debit or Wage Deduction by agreement. Additional payments may also be made at any branch of the ANZ or Fast Track Finance office.

We lend unsecured up to $1000.00 and we also do secured loans over $1000.00 and would look to take security on your motor vehicle. There must be no money owing on your security and the vehicle must be in your name.

If you do not have security for a loan we may still be able to help if you are able to arrange a suitable Guarantor. The Guarantor follows the same procedure as if they were borrowing the money and have suitable security.

If you are unable to provide security it may be that your situation allows us to offer you an unsecured loan up to the value of $1000.

Yes, we call these top ups. We may be able to refinance your loan if you have a good repayment history with us.

If you have a number of bills to pay, other loans, hire purchases or credit card balances, it can sometimes save you money to consolidate these into one loan. It is definitely easier to manage in your household budget and payments can be timed to fit your pay cycle.

Yes – with no early payment penalty, but please note there may be an early settlement fee of $50.00

Fast Track Finance Hawkes Bay Limited offers a comprehensive Repayment Waiver Plan which covers your repayments in the event of an accident, sickness or death. The best action is to give our team a call and talk it through so we can make an alternate arrangement.

Go to any Fast Track Finance office and see our friendly team or direct to our website: You will also be able to have your bank statements automatically sent to us.

You must provide one form of ID from each category below – up to three in total. All forms of ID must be current. Expired ID is not acceptable.

  • One form of Photo ID. This can be your Passport, Drivers license, Firearms license or Kiwi Access (18+) Card.
  • Plus one of the following: Your Birth Certificate, an EFTPOS card with your name embossed on it, Your latest bank statement or a letter from WINZ, IRD or other Govt. Agency addressed to you.
  • Plus proof of your address such a utility bill, car registration renewal letter or any of the previous forms of ID which show both your name and address

Once your loan is approved and all documentation is completed you will be given a cheque which you can immediately cash, or alternatively we can deposit the loan proceeds in a bank account nominated by you.

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