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Fico Finance

Personal Loans from

12.95% *
Personal Loans

Business Loans from

8.95% *
Business Loans

*Conditions apply

We are not bankers


We are business people and loans are our business. There's no need to feel guilty about asking us for a loan. We only make money when we say yes, so saying yes is what we love doing.

Talk to the decision maker


You deal with Fico HQ and talk directly to the person who will make the final decision on your loan. There is no red tape or unnecessary delays while people pass on your application (and their responsibility to authorise your loan). This novel approach works and everyone loves this banker free approach to asking for a loan.

Approval within 24 hours


In 99% of cases people know whether their loan has been approved within 24 hours. When we have to complete a site visit (for commercial loans) or there is another requirement that will take time to organise, we will do everything to speed up the process and then get an answer to you as quickly as humanly possible. We know no one likes to be waiting around for a bunch of bankers to make up their minds. 

Fico Finance Testimonials

Our customers define our success and we think our testimonials speak for themselves.
most helpful
I have found Fico Finance good to deal with as they always offer a prompt, fast service. From the very first visit Sue, and all the staff at Fico have been very pleasant and most helpful with my enquiries.
Vicki Russell
Richmond, Nelson
Fico gives us great personal service.
Fico Finance are a fantastic company to deal with. Unlike some of the national finance companies that we work with also, Fico gives us great personal service. It's great knowing we can pick up the phone and talk directly to the decision makers. Our customers love dealing with Fico for all the same reasons. We would not hesitate in recommending Fico Finance as a finance provider for any retail business.
Andrew Pullen
Managing Director - Vortex Spas

Fico will remain part of our financing
After six years of business dealings with Fico we are pleased to recommend your company as one that has been great to deal with. Peter and I have found it easy to discuss our projects that require financing as the team at Fico take the time to understand our business and work with us to meet our financing needs. Looking forward Fico will remain part of our financing package so we can achieve our sales forecasts. Regards
Carol and Peter Gray
Hokitika, West Coast
honest, straight forward and enjoyable to work with
From the first meeting, Fico Finance asked all the right questions and they offered valuable suggestions regarding my financial structure. In all of our ongoing business relationships, I have found Fico Finance to be honest, straight forward and enjoyable to work with. I have no hesitation in recommending them. Our ongoing business relationship works well for both parties, and it is a relationship that I hope continues for some time to come.
Mike Brady
Coastal Group
a personal service above and beyond any other Financial Institution
I have been using the services of Fico Finance since December 2012. We have found Scott, Sue and the team at Fico to have a friendly attitude and provide a personal service above and beyond any other Financial Institution we have dealt with. Due to this the regular business we carry out with FICO on a fortnightly basis has been a simple, and very straight forward process. We look forward to continuing business with Fico Finance in the future and thoroughly recommend their services to any prospective customers.
Ian Day
Ian Day Lifestyle Equipment - Alexandra

they are complete business professionals
Ten years ago we needed $80,000 to $100,000 to realise our business proposal and keep working towards the (recently extended) retirement age. Over the years we've worked very closely with the Managers, Staff, and Directors of Fico Finance. At various times we've required additional funding, and that's when you really appreciate Fico's Management, they are complete business professionals. With their help and understanding we have realised our dream, and actually forgot to retire.
Peter & Raewyn Busch
Kakadu NZ - Dovedale, Nelson
Everything was processed with speed, integrity and efficiency.
Since it’s inception, Fico have supported us in both business and personal ventures.  With fast changing technology in the market place necessitating unbudgeted equipment acquisition, location changes, etc. Fico have assisted with leasing options and bridging finance to cover such situations. Everything was processed with speed, integrity and efficiency. We highly endorse their product and service.  Thank you Fico Finance!
Judith and Alan Broad
Atawhai, Nelson
they totally understand our market.
Our relationship with Fico Finance goes back over a decade. They are good people, with a very solid company, and most importantly they are local Nelsonians. Being from Nelson they totally understand our market. We have experienced nothing but the best service from Fico Finance. Thanks guys.
Alan Broad
A.B. Automatic Transmission and Power Steering - Nelson
I recommend them to anyone looking for extra finance
Fico Finance - I recommend them to anyone looking for extra finance for whatever reason. In the years I have been with them the service has been excellent and any issues that have arisen I have been able to discuss the situation and work a way through. Thank you Fico and the team.
Kaye Gibbs
Cromwell Street, Murchison
They will always be my first option
My name is Quentin Brown and I have used the services of Sue and Scott at Fico Finance a number of times for loans. They both  explain the procedures of the loan very well and give me all the paper work to read over before commencing. They do all the checks for vehicles that I may want to buy so i do not have any worries in the future. They call me or e-mail me and are in constant communication through the loan process. They are great to deal with and are always very understanding. They will always be my first option and I recommend them to everyone.
Quentin Brown
Stepneyville, Nelson
the opportunity to be entrepreneurial in the business sector.
My U.S. business partner and I have been importing from the U.S to NZ. We are enjoying our relationship with the Fico finance team as they continue to help fund us in our ventures. It's great working with a finance company that gives those, like us (who don't tick the normal boxes of the banking institutions here in NZ) the opportunity to be entrepreneurial in the business sector. Interest rates may be higher but it enables us to think bigger and enlarges the opportunities we have now and in the future. A big thank you to Fico Finance for your support.
Brent Liebezeit
Nelson
a fantastic company to do business with
I choose Fico Finance because I was looking to re-build my credit history and was recommended them from a colleague. During my tenure with Sue and the Fico team I have found them to be extremely professional, compassionate and always available to discuss any issues that may arise. They are approachable, friendly and a fantastic company to do business with and I recommend them to my family, friends and colleagues who are looking for a loan with a company that they can trust 100%. I hope this testimonial is OK? I didn't quite know how to work in how fantastic you are, how generous and supportive you have been to me when many would have given up a long time ago, and for that I am truly grateful.
Ben Robertson
Bishopdale, Christchurch
Within minutes of completing transfer details I was on my way to Christchurch.
I was first introduced to Fico Finance when I purchased a vehicle from Fico via Trademe. Once payment details had been finalised I flew to Nelson and was picked up by Scott Dodd (Managing Director of Fico). Within minutes of completing transfer details I was on my way to Christchurch. Since then my relationship with Fico has evolved with a number of business and personal financial lending transactions. Over this time I have dealt with a number of Fico personnel and found them all to be very helpful and prompt in responding to my queries. I have no hesitation in recommending “The Fico Team” to anyone contemplating a personal or business financial transaction.
Ron Mathis - Managing Director
Allied Building Services (NZ) Limited - Ngaio, Wellington

Contact Us

Phone
T: 03 548 9932
F: 03 548 9934
Address
PO Box: 122
173 Hardy Street
(opposite Nelson Museum)
Nelson 7040
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