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Real Finance plans on approving applications inside 60 minutes, and once accepted and signed up, another 60 minutes until the funds reach your bank account.
Call 0800 21 21 21 for more personal help or Apply Now via our fast online form & take the first step to reaching your financial goals.
Repayments for our Consumer and Business Lending start as low as $20 per week with terms of up to 60 months.
Through nearly 100 years of combined industry experience, we realise every single person & situation is unique, so we tailor each loan to perfectly suit your individual needs!
Our dedicated & highly professional team treat you like you are part of the Real Finance family, not just another faceless number!
We’re the total package – providing a large lending range, complimenting insurance products and dedicated customer services.
Existing clients can contact us anytime and any way to request consideration of new finance, and in most cases we can provide you an instant finance approval.
Our technology means we can usually manage the entire lending process without you lifting more than a few fingers.
Real Finance is proudly 100% NZ owned and operated. We operate our business in the spirit of all things kiwi – That’s old-fashioned one on one customer services mixed with integrated technology to provide you with superior financial solutions from a friendly face.
We’re small enough to care & large enough to matter!
Real Finance ensures our clients obtain finance that suits your purposes and is affordable when you first apply along with having reasonable costs of borrowing.
Real Finance backs up that integrity throughout your loan and if something goes wrong we listen, then act with respect and care while we work through your issues to resolution.
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.
CONTACT USAPPLY NOW“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into our account. A truly seamless experience.”
© Real Finance Limited - A Registered Financial Services Provider - FSP3821
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