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Real Finance Limited

Covid 19 Information

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0800 21 21 21

Real Finance is a responsible lender and we treat our clients with respect, kindness and present all your options. Below are our Covid 19 policies. If you have any questions, please contact us.

Covid 19 Information

MAKING REPAYMENTS

In the event you are suffering unforeseen hardship, of any kind (doesn’t have to be related to Covid 19) Real Finance needs to know about it, and the earlier the better. Telling us you have issues early on means we can present you with the biggest range of options, and having options is good news.

You can contact us anytime, and one of our team will contact you, ask you for some details and we can then work together with you to find solutions that work for you.

COMING INTO OUR OFFICES?

You know we love seeing you, but if you are intending to come into our branches you will need to follow some simple rules:

  • All systems go! If you are unwell please do not visit, as we can be reached via any contactless method between normal office hours. Contact Us?
  • Please keep a distance of 2 metres between you and everyone else where ever possible.
  • Please be kind and understanding.
  • If your preference is to continue to wear a mask, remember it’s difficult to hear what is said from behind a mask and the information between you and us needs to be clearly understood – Please be patient.

“Covid 19 meant my work hours were cut. I approached Real Finance about my options and they explained what they could do to help ease the pressure on my budget.”

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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