We’ve moved. Don’t panic though, we haven’t moved far. That’s right – our existing branch in St Albans was so convenient we didn’t want to move miles away, but the new office’s potential was just … Continue reading We’ve Moved – Canterbury
The open road is calling. We know everyone is chomping at the bit to shed the now all too familiar and claustrophobic “Covid mask” that has embodied 2021, get on the open road and enjoy … Continue reading The Open Road Is Calling
We love freedom of choice. We love being able to have control over the decisions we make for ourselves and our loved ones. Q: How do we have choice? A: Money. Being able to access … Continue reading Thought of the day – What do we love?
Is short term lending the devil? We don’t necessarily think so – but we do strongly believe it depends on the reason for borrowing, along with other factors like cost and affordability. People borrow money … Continue reading Short Term Lending
Google Adwords Financial Services Policy Disclosure
We provide consumer credit lending with terms of between 2 months and 48 months and our annual interest rates (AIR) are fixed for the term of the agreement. Our current annual interest rates range from 9.95% to 39.95% depending on credit profile, collateral and several other factors and are calculated in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA). Some fees will vary based on the new loan amount. Full details of all fees are available here. A loan contract will show all applicable credit fees and charges. See our Responsible Lending page of our website for further details.
Actual loan example – A loan of $10,640 was provided at an AIR of 6.58%, the applicable establishment fee was $181, Centrix Check of $10, Wheels Report of $11, PPSR search + registration fee of $15, and an administration fee of $18 per month ($648). Total interest was $1,141.03 making the total repayable $12,646.03 over 36 monthly installments. The comparison rate for this loan was 10.87% per annum.
Real Finance is a New Zealand Registered Financial Services Provider (FSP3821) participating in the Financial Services Complaints Limited Dispute Resolution Scheme (FSCL). Contact Information – Free Phone 0800 21 21 21. We are located at 69a Manners Street, Te Aro, Wellington 6011