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Real Finance Limited

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Real Finance loves to hear from you! You can reach us via any of the means below and we will respond promptly to get you sorted.

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North island

  • Phone: 04 472 5768
  • Email: north@realfinance.co.nz
  • Office: 1st Floor,
    69a Manners Street, Te Aro
    Wellington 6011
  • Open: Monday – Friday from 9:00am to 5:30pm
  • Post: P.O. Box 11094, Wellington 6142

SOUTH island

  • Phone: 03 355 2891
  • Email: south@realfinance.co.nz
  • Office: 1st Floor,
    Unit 1, 159 Cranford Street, St Albans
    Christchurch 8014
  • Open: Monday – Friday from 8:00am to 5:30pm
  • Post: P.O. Box 11094, Wellington 6142

“I thought it would take days once we started the process, but we were driving our new car the day after making contact!”

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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