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Real Finance Limited

Lower Hutt Loans

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0800 21 21 21

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

Finance Made Simple

If you are in Lower Hutt and require finance Real Finance can help you today.

Our lending range is designed to be 100% digital – Applying online, providing your documents, approval, receiving your contract, signing up and receiving your funds can all be done at the touch of a few buttons and in a extremely fast response time.

Real Finance’s team are perfectionists delivering superior and responsive customer service. We do not provide your average lending service.

We are a nationwide lender, providing consumer and commercial lending to all New Zealander’s through our branch and online presence. We listen to your needs, review your circumstances and when we know enough we design a tailor-made solution to perfectly fit your circumstances and then we don’t stop there. During the course of your loan we check in to ensure everything is still suitable for your needs as they evolve.

Real Finance Limited – Finance Made Simple

Our Loan Range

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 chose a loan type that I thought was best for me, but Real Finance made it a perfect fit when they set the repayment amount and frequency to suit my particular situation!”

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NAVIGATION

RESOURCES

SUBSCRIBE FOR DEALS

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