A: There is no limit to the amount of money that you can borrow from us, if you meet our lending criteria.

A:  Our interest rates begin at 12.9% for first mortgages and are around 19.95% for personal loans.

A:  You can use your house, land, boat, vehicle or almost any tangible asset – so long as it has a valuation and is worth more than the amount you wish to borrow.

A: If your credit is good then we can look at a more general security for a small loan and a guarantor for a larger loan.

A:  We are fast, friendly and being a small team we are able to provide that personal touch that is lacking in larger companies

A: A credit and security check can be done in a matter of minutes. If we have valuations and insurance details and everything checks out we can draw your loan up within an hour.

A:  Generally we will lend against vehicles up to 12 years old. We can however lend on older vehicles ( including classic cars) depending on their make, model and valuation.

A: We generally loan up to 3 years, although we try to base each loan on the individuals’ needs and situation. We arrange each loan so that the payments can be easily met by the client. Longer terms are available where appropriate.

A: $1000.00

A: You would need a guarantor if your credit was not good or if you had insufficient security for the loan. All persons under 18 years of age require a guarantor.

A: We will ask for a valuation on the security you are providing, the insurance details of the security, your bank account details and also contact details of relatives (in case we lose track of you).

A: Yes, we charge an admin fee of $50.00 for early settlement.

A:  You can sign your loan at our Nelson office – our location can be found on the ‘Contact Us’ page. If you are from out of town we can send the documents directly to you for signing. This needs to be done in front of a solicitor or Justice of the Peace.

A: A good credit history is preferable as it will make the loan process easier. However if your credit history is not so good then we can still look at the loan if you have a guarantor satisfactory to us.

A: Generally we set up an Automatic Payment for you. You can also make payments directly to us.

A: We are more than happy to lend additional money to existing clients. You will need to have made your payments regularly on you current loan, have adequate security and not be overcommitted.

A: You can – either by increasing your payments or by a lump sum deposit.

A: Yes – it is a condition of our loans that all security on our books is insured. This is a part of the Trust Deed that allows us to take money for investment and details the criteria under which we can lend.

A: If you run into trouble with your payments it is best to contact us so we can come up with a suitable arrangement until you can pick up normal payments. If you haven’t contacted us we will notify you with a letter when you loan becomes in arrears.

A: You will need to contact us to either settle the loan or to refinance it with new security. You need to do this before the item is sold to ensure that the security is removed and the new owner can take free title to it.

A: You can contact us by phone, email, fax or post and we will update your contact information immediately.

A: Both of you.

A:  PPP covers you for Sickness, Accident, Redundancy or Death. if you can’t work for one of these reasons then you can make a claim and the plan will cover your payments on your loan until you are earning again. It does not cover the first 7 days that you are off, pre-existing conditions or birdflu. In the event of death the loan is completely repaid.