Interest Rates and Fees

Our 100% online platform matches your profile to the credit criteria of multiple lenders in under 60 seconds. Each of these lenders have different fees.

NZCU South:

Summary of NZCU South Fees >

Avanti Finance:

Summary of Avanti Finance Fees >

Financial Holdings:

Summary of Financial Holdings Fees >

Gem Finance:

Summary of Gem Finance Fees >

Geneva Finance:

Summary of Geneva Finance Fees >

Broker Fees:

The Lending People charges a Broker Fee of between $250.00 and $995.00 depending on the type of loan, the complexity of the application, and the amount borrowed. This fee will be added to the total amount borrowed.

Interest Rates:

The interest rate offered will depend on your personal circumstances, the type of lending required and the security (if any) provided

Interest rates range from 6.99% p.a. to 26.99% p.a

Loan Terms:

The loan term offered is subject to credit criteria and responsible lending requirements.

The minimum loan term is 12 months. The maximum loan term for unsecured loans or loans secured by a motor vehicle is 7 years. The maximum loan term for loans secured by property is 9 years.

Legal Costs:

If the structure of your loan is such that we require solicitors to prepare any documentation or advice, you will be responsible for the direct costs of the legal work undertaken, these costs can be paid upfront, or added to the total amount borrowed.

Estimated legal fees for preparation and registration of a Caveat is $599 incl GST. Estimated legal fees for preparation and registration of a first or second mortgage is $1,099 inc GST.


The cost of insurance may be included in the loan. The premium financed will be paid to the relevant insurance company and provide insurance cover for the period stated in each insurance policy. Take a look at the range of Insurances that we offer to protect you, your family, and your assets.

Fee Rebates:

Where you settle a loan early, the application, broker fees and GPS installation fees (if any) are not rebated. CCI and GAP insurances are refunded by Rule of 78 and MBI can be transferred to a new vehicle (if applicable).