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Rates & Fees*

Up to date Rates and fees are below for our Credit Agreement and Lease products:

Current Interest Rate

Current Interest Rate: 11.95%

(per annum fixed for the term of your contract)

Establishment Fee

Establishment Fee: $275.00

(Costs to establish a Credit Agreement or Business Lease)

PPSR Search Fee: $2.30

(Costs to confirm there is not an existing security interest)

PPSR Registration Fee: $8.00

(Costs to register our security interest)

Credit Fees & Charges

Loan Variation Fee: $150.00

(if and when we agree to vary your agreement)

Loan Assignment Fee: $150.00

(if and when we agree to an assignment of your agreement)

Account Closing Fee: $35.00

(when you pay us back)

Refund Fee: $10.00

(if and when we refund an early payment you make)

Late Return Fee (leases): see sample lease

(if you do not return the vehicle to us at lease end)

Full prepayment Fee: see sample agreement

(If and when you repay your loan early calculated using formula in the agreement)

Default Rates & Fees

Default Rate is the higher of 3% above your annual interest rate OR 12.95% per annum

Dishonour Fee $10.00

(if any payment is dishonoured)

Repossession Warning Notice: $20.00

(When we send you the Notice)

Post Possession Notice: $60.00

(When we send you the Notice)

Repossession Agent: $275.00

(if we engage in a repossession agent)

*Rates and Fees are in New Zealand Dollars and subject to change at any time.