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Real Finance Limited

Important Reparation

0800 21 21 21

Real Finance is proud to offer our clients a superior level of customer service, and your satisfaction is very important to us.

If you would like to learn more about reparation and whether you are owed money or not, we encourage you to contact us

We may owe you money


Recently Real Finance and the Commerce Commission (who regulate the legislation that your loan account is governed by) reached an agreement about some of the fees which we have previously charged to loan accounts. 

Real Finance and the Commerce Commission agree that some of the fees charged by Real Finance were unreasonable and in breach of section 41 of the Credit Contracts and Consumer Finance Act 2003.  Real Finance has undertaken to the Commerce Commission to put this right by paying or crediting reparation and interest to all affected customers.

The affected fees include:


Establishment Fee: This is the fee associated with establishing your loan, including processing and approving your loan application, identity verification requirements, budget preparation and analysis, risk and collateral analysis, documenting the loan, providing and explaining the documentation to you and any other party in full and then providing you with the loan funds once you have signed up and returned all documentation.

Monthly Administration Fee: This is the monthly cost of keeping your loan account active, including providing you any mandatory loan statements, running repayments, and any other administrative tasks needed, and is debited to your account at the end of each month

Default Fee: Charged each month that your loan is in arrears.

The result of this is that the portion of each fee which was incorrectly charged will be returned to you shortly, along with an amount of interest associated with each fee, and the difference between the date it was charged to your account, and the agreed settlement date.

What happens now?

Existing Customers

For those customers who have existing loan balances, we will shortly begin crediting your current loan account with the amount of reparation due, reducing your existing balance.

In some cases, this may end your loan obligations and put your account into credit, and we will notify you each individually with the outcome and make suitable arrangements to refund you any overpaid amount.

Previous Customers

For those of our customers who were unreasonably charged an amount relating to the fee types above and who do not currently have an open loan account, we will make endeavours to contact you using the details we have on file, to organise a refund of the amount due to be returned to you.

If you are a previous customer, and your contact details may have changed since you had a loan with us, please contact us so we can make sure that the reparation gets to you.

What happens in the Future?

We have updated our fee setting practices to ensure that future fees are reasonable.

Real Finance sincerely apologises for the inconvenience arising as a result of your loan account receiving partially unreasonable fee charges.

If you have any concerns please contact us directly through our Free Phone number 0800 21 21 21 option 1, or you can email us on


Real Finance Limited

“Real Finance listened to what I wanted, understood my requirements, then delivered a solution that was fit for my purposes first and foremost.”