Borrow from us and have the peace of mind of money when you need it.

Our interest rates are between 28.8%  and 35% per annum and are calculated on your daily balance.

The interest rate is set for the full term of your loan.

THERE ARE NO HIDDEN COSTS

Repayment and cost examples

Click this box to see some reasonably close estimates of costs and repayments for different loan amounts

The rate that applies to your loan will normally be 28.8% but may be different based on factors including:  your circumstances, your credit history, the amount of the loan and the security you can provide.

Fees and charges

Establishment fee

This is a contribution towards the cost of assessing, processing and documenting your loan application.

Loan  amount	Establishment fee
$100	$45
$200	$95
$300	$130
$400	$160
$500  to  $1000	$160  if we already have most of the data required to evaluate your loan $195 if you are a new client to us
$1000  to  $5000	$160  if we already have most of the data required to evaluate your loan $195 if you are a new client to us

Account maintenance fee

$10 per month for each month or part month that payments are due.

Other fees

The fees may be charged and added to your account if payments become overdue or you become in default of the agreement.

Default fees

We do not charge default interest, however if any payments are later or less than the scheduled payments it will take longer to pay off your loan. this will result in you paying more interest.

Reminder fees

$10 will be added to your account for each reminder letter / notice that is sent to you if your account is more than 5 days overdue at the time the reminder is posted to you.

Home visit fee

$60 will be added to your account if we have to travel to visit you or any guarantor in relation to a breach of your contract.

This also applies if we have had no response to a third or more reminder letters or reminder notices or telephone calls and find it necessary to make a home visit to you.

Any other fees or costs that may occur due to your default of the agreement such as debit recovery costs etc., will be passed on to you at cost.

Note: If payments are later or less than the scheduled payments it will take longer to pay off your loan and this will result in you paying more interest