Live your dreams
Your home is your castle, and so it should be. And if you’re lucky enough to have equity in your castle you should know you can use it to fulfil your dreams. New car? Well-earned holiday? Swimming pool for the backyard? Through us, you can have any of these things.
By using your home’s equity as security you can loan against it without having to refinance or break your mortgage. We’ll guide and show you how you can use your asset, your castle, and find a solution perfectly suited to your luxurious desires. After all, you are the customer.
It’s never been easier lending against your castle with NZ Credit & Loans. We know how you think because we’re just the same. So go on, just get into it!
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