Don’t wait to enjoy life
Personal loans through NZ Credit & Loans are available for pretty much anything. From a new flat-screen tv for watching the footie in the man-shed, to a holiday complete with full body massages, or an amazing family celebration to remember, we’ll sort you out in no time at all. And funds are often available the same day an application is completed.
Even with bad credit, we may still be able to help as long as you have security or a guarantor. We are not all perfect and we all have some bad patches but what you need is our team of experts to get you going again.
We specialise in secured and unsecured loans. The type of loan will be reflected in the loan amount and interest rate.
Repayment amounts are based on a 15.95% interest rate and are indicative only. They exclude any brokerage, establishment, administration, waiver and insurance fees. These terms may not be available for your loan type. All loan quotes are subject to full application details and lenders conditions at the time of application.
Please read the Responsible Lending Guidelines for more details
NZ Credit and Loans is associated with some of the East Bay Finance Group of companies
Breakdown of fees
A quick & transparent process.
NZ Credit and Loans do not source loans for a period of 61 days or less.
We do not offer Short Term loans, all NZ Credit and Loans are for terms of six to sixty months with a fixed annual rate of interest. Our current interest rates start at 13.95% to a maximum rate of 49.95%, the majority of our loans fall between 13.95% - 29.95% but some of our quick start short term loans are written between 29.95% - 49.95%. The interest rate is calculated on credit history, security offered and your overall credit profile. A typical $20,000.00 loan through NZ Credit and Loans would be as follows:
- Personal Loan Amount $20,000
- Brokerage Fee $995.00
- Establishment Fee $440.00
- Payments over 36 months
- Interest rate from 15.95% including monthly
- Admin fee of $15 per month
- Repayments from $937 per month including brokerage and (optional) payment waiver cover – subject to terms and conditions
- Annual Percentage Rate 22.8%
Get your hands on a loan today!
Our professional team of finance experts are highly trained and will provide the refinancing solution you need. For any queries, the customer care team can also be reached by email or phone during normal working hours.
NZ Credit and Loans, 109 Lyndon Road East Hastings, 4122, New Zealand
0508 695 626