All secured personal loans vary in cost depending on how much you need to borrow, over what term, the security you can offer and your credit history. The best way to get a quote is to apply. There is no obligation to proceed with a loan after you send us your application. We’ll give you an exact breakdown of fees and costs with your quote. You can see our standard fees and charges here.

Some early payment fees may apply and vary from lender to lender. View our Loan Terms and Conditions to see what fees may apply for you.

It’s important to make your payments on time and in full. If they aren’t on time, you’ll probably have to pay additional fees and charges. If you think you’re going to have trouble making a payment, contact us as soon as possible so we can help. Please refer to your Loan Terms and Conditions for more information about hardship relief or change of circumstances.

Being a responsible lender means we are honest and ethical in our lending decisions, making sure you fully understand the loan agreement, your obligations, and that you can afford the repayments of the loan. We are also legally obliged to complete full identification and supporting document checks before completing a loan agreement.

You’re protected in two ways: by the Credit Contracts and Consumer Finance Act (CCCFA) and because we’re a registered financial service provider. This means we follow the process set out by the law to verify your eligibility for a loan. We won’t offer you a loan if we believe it will be unsuitable for your circumstances. Our goal is to help you succeed.

The best way is to apply. We know that everyone has different personal circumstances, so we have to ask questions and gather information to see if we can tailor a suitable loan for you. You’re not obliged to take the loan if you make an application.

The process is confidential and your information is kept completely private. If you are open and honest about your financial situation, we can make sure you’re comfortably able to repay your loan.

Yes. You must be 18 years of age to apply for a loan, provide a valid current proof of identification, proof of address , and proof of regular income. If you want to buy a car, in almost every case, the car is used as security for the loan. We also think it’s essential that you can comfortably pay your loan without causing hardship. We will decline a loan if we believe it will cause you hardship.

We don’t cap loans but typically our range for approved borrowers is between $5,000 and $200,000. Your individual circumstances will determine how much you can borrow and normal lending criteria applies.

Making a loan application is easy. We just need your personal and employment details. To complete the application you will need to provide further documents and information, including identification (driver’s licence, passport etc.) and bank statements, so make sure you have these on hand if you want to go ahead with your application.

Yes, you can start your loan application online. Once we receive it, we’ll phone you to talk you through the rest of the process. You’re also welcome to phone us on 06 835 5959 if you want to apply now.

Yes. Our lenders do a credit check as part of the application process.

In most cases we can approve loans and have the money in your bank account within one working day. We can transfer the money to your bank account in one hour if your loan is completed, approved and confirmed by 1:30 p.m. on banking days. If you start a loan application outside business hours, we’ll contact you the next business day.

We’re here to help, not judge. All loans are assessed according your circumstances at the time of making a loan application. What you share with us is completely private. Call us on 06 835 5959 for a confidential chat.

Interest rates are fixed and determined by your circumstances. They range from 8.95% per annum to 28.00% per annum. You can read more about our interest rates here.

We’ll set up a direct debit as part of the application process so you don’t have to worry about making payments on time. Where possible, we time repayments to your pay cycle so you don’t have to check to see if you have sufficient funds available.

We know life is unpredictable and can change at any time. If you find yourself in financial hardship, contact us as soon as possible rather than letting your repayments fall behind. The sooner we know about your circumstances, the more we can do to help. You can read more about financial hardship here.

Each loan is a separate agreement. As soon as you apply and qualify you can get a loan whenever you need it.

If you haven’t paid off your current loan but find yourself in a situation where you need some extra cash, you can apply for a top-up on your current loan.

In all cases, it’s best to contact us as soon as possible. The sooner we hear what’s wrong, the sooner we can it sorted. See our Complaints Policy for more details.