Secured Loans on a Vehicle – Hawkes Bay

If you are in Napier, Hastings or anywhere else in the Hawkes Bay, whether you want to borrow to buy a vehicle, update your furniture, go on a holiday or debt consolidate we can help you. We can lend on an existing vehicle you own, or a vehicle you want to buy.

All lending decisions are made in the office and as long as we have all the loan information we need we can usually give you an answer within the hour.

Phone us on 0800 232 788, call into one of our Napier loans office or our Hastings loan office and fill in an application form or apply online using the Secured Lending form below:

Fees for Secured Loans

  • Annual rate of interest 34.75%-39.75% p.a. 
  • Default interest rate 47.50% p.a.
  • Establishment Fee $350.00 (New loan)
  • Establishment Fee $280-$350 (Existing loan)
  • Default Fee of $5.00 per week for missed payments, charged weekly until arrears paid in full
  • Default Reminder Letters $6.00 per letter
  • Repossession Warning Notices $6.00
  • 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
  • Actual Costs against Repossession, payable immediately with arrears
  • Full repayment (Settling the loan early) $50.00

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