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Real Finance Limited

Loan Calculator

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0800 21 21 21

Real Finance has the right solution for your needs, whatever your requirements are.

Loan Calculator

Loan calculator - CONSUMER Loans

$1,000 $50,000
1 months36 months
Your monthly repayments would be approximately . In total you would repay approximately - made up of the loan, fees, and interest. The loan would end around if repaid correctly.
Total you will Pay:
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This calculator is intended as a helpful guide for use when comparing Consumer Loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
  • The calculated amount is not a quote or offer from Real Finance (or our External Lenders) and is only for Consumer Loans.
  • Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
  • The rate offered successful applicants will depend on individual circumstances, including your credit score, affordability and any security offered.
  • Our current annual interest rates and costs of borrowing can be found here.
  • Other fees or charges may apply to your individual loan.
  • It assumes you make all your required repayments in full and on time and therefore do not enter default.

For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.

Vehicle Finance

From $2,000 - $50,000*
From $70 Weekly
  • Terms: Up to 36 Months.
  • Buying New or Using Your Current Car.
  • Apply Today & Drive Away
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We can take care of insurance for you too!
Popular

Mortgage Loans

From $5,000 - $2,000,000*
From $199 Monthly
  • Terms: Up to 60 Months.
  • For Short-Mid Term Purposes.
  • Renovate or Repair.
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Use the equity in your home to your advantage.

Debt Consolidation

From $1,000 - $50,000*
From $35 Weekly
  • Terms: Up to 36 Months.
  • Sort All Your Debts Into 1 Payment.
  • Lose The Stress of Multiple Debts.
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Payment Protection Insurance is available.

BRIDGING FINANCE

From $1,000 - $50,000*
From $99 Monthly
  • Terms: Up to 36 Months.
  • Sort All Your Debts Into 1 Payment.
  • Solve Your Cash-Flow Issues Today.
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Our team listen, understand and solve.

PERSONAL LOANS

From $1,000 - $100,000*
From $35 Weekly
  • Terms: Up to 36 Months.
  • Our "Use For Anything" Loan.
  • 100% Online Process and so Fast.
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E-Sign is available for all loan types.

BUSINESS LENDING

From $5,000 - $300,000*
From $199 Monthly
  • Terms: Up to 60 Months.
  • Asset Finance, Capital, Kickstarter.
  • We See What You See.
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The best outcomes for your business needs.

*larger amounts are provided through our external lending partners

Easy as 1.2..3...

1

APPLY ONLINE

5 minute completion or call 0800 21 21 21 to talk to our friendly team.
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2

WE DO OUR THING

60 Minutes completion to make sure the loan is fit for purpose & affordable.
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3

DISCLOSE AND PAYOUT

When approved we document your loan, explain all information, sign you up & pay out your loan funds.
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Contact The Team

Our team are dedicated professionals, ready to listen to you and understand your needs and then use their expertise to provide the perfect lending solution.

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“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into my account. A truly seamless experience.”

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Loan Types

North Island

South Island

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