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.
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