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Real Finance Limited


0800 21 21 21

Real Finance is a Responsible Lender - We have a legal obligation to ensure we exercise the care, diligence, and skill of a Responsible Lender at all times, including making certain our disclosures to our clients are thorough and correct.

Below are frequently asked questions when consumers borrow money. If you have any questions, please contact us.

Frequently Asked Questions

Holiday?! Unexpected Bills?! Fix or Buy a Car?! Birthday, Christmas?! Whatever the reason, you’ll be better off with a loan from Real Finance.

Our loans range from $200 ~ $20,000, or up to $2,000,000 through our External Lenders.

We offer terms of between 1 – 36 months (longer through our External Lenders) depending on the type of loan and amount borrowed.

You need to be at least 18 years of age to apply.

Pay us when you get paid! We accept Weekly, Fortnightly & Monthly (day of month or even end of month) repayments.

Real Finance prefers Direct Debits, but you can pay by cash at our branches, deposit at any BNZ branch nationwide, all Smart ATM Machines, Payclerk Deduction, Automatic Payment or Telephone Banking.

Yes, you need to be a permanent resident of NZ.

No you don’t have to have excellent credit, but good credit helps.

If you have really bad credit, we may ask for you to provide a suitable guarantor or additional security.

You must disclose this to us at the time you apply for finance.

Yes! Unlike some companies,we don’t penalise you if you want to make higher repayments, and your full repayment is used to reduce your balance and calculate the interest that should be charged to your account.

We charge an early settlement fee on all Loan products except Short Term loans, but paying off quicker still saves you a lot in interest and administration fees (if applicable).

Security (also called collateral) can be certain Household Chattels, Vehicles, Boats, Property etc, so long as it is owned in your name/s and is not on finance elsewhere (or will be paid off by the funds we lend you).

We cannot use essential items such as Washing Machines, Cooking Equipment, Beds, Clothing, Kids Toys etc – unless you are using the loan to buy the item brand new from the store.

If you miss a loan repayment we’ll notify you straight away. If you stay in default for too long, then we’ll send you a pre-possession notice and after 15 days (if you still have not made contact), we’ll have to repossess any security and sell it to recover the loan’s balance, including the cost of any repossession expenses. If there is a still a balance after that or if you did not use security to begin with, then we may take you to Court to obtain a judgment against you, and have your loan repaid via court order.

The best way to avoid this is to simply make your repayments, but if you encounter any issues during the course of your loan, you should contact us on 0800 21 21 21 or via any other contact method outlined in your contract documentation as soon as possible.

If you change any details you should contact us straight away with and provide any new information, along with any new phone numbers or other contact details.

We believe we have a moral and ethical responsibility to remove high interest payday lending options from New Zealand. We will only consider “payday lending” to existing Real Finance clients in order to settle or avoid high interest lending elsewhere, or in a true emergency situation.

“Real Finance thoroughly explained all the terms and conditions of my contract before I signed. I had a few questions and they took the time to make sure I understood what I was getting into.”