Eligibility for our personal loans
You can apply for a reliable personal loan if you meet this criteria:
- Be 22 years or older (a guarantor is required if under this age)
- Be employed for at least 3 months
- Be a New Zealand permanent resident
- Own a vehicle registered in your name or property (security for the loan). Your car must be aged 2001 or newer
- Earning a minimum of $450/week
Calculator
Calculate your repayments using our simple loan calculator
$
Full term amount payable of $. Based upon an example annual fixed interest rate of 13.95%, with an establishment fee of $450.00.
Example of a $20,000 loan over a 36 month term
| Loan Amount | $20,000 |
| Establishment Fee | $240 |
| Broker Fee | $250 |
| Valuation Fee | $0 |
| PPSR Search & Registration Fee | $9.60 |
| Account Maintenance Fee | $2.50 |
| Credit Check | $7.10 |
| Driver Check | $0.16 |
| Identity Check | $2.30 |
| Passport Check | $0 |
| Vehicle Check | $0.18 |
| Bank Statement Report | $0 |
| Fixed Interest Rate (rates depend on your individual application) |
12.95% |
| Term | 36 months |
| Amount Financed | $20,719.34 |
| Interest | $4,297.50 |
| Account Maintenance Fee | $390.00 |
| Balance Payable | $25,406.84 |
*Loan term varies from 3 months to 7 years.
