Costs, Fees and Rates


In this section you will find out about our costs, fees and rates for all of our account types. It’s important to note that interest rate ranges are sometimes negotiable depending on certain circumstances i.e. high value security, payment protection insurance or your history with us. Don’t just assume the rate you will get, ask!

We rate our loans by risk in from Low to High. To help us decide we look at the following factors:


Interest Rates
Low Risk 11.95% - 15.95%
Med Risk 15.95% - 18.95%
High Risk 18.95% - 21.95%
Establishment/Booking Fee $240.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge $3.50
Withdrawal Fees
Up to $499 $70.00
Over $500 $150.00
Refinance/Restructure Fee $240.00

Interest Rates
Low Risk 11.95% - 13.95%
Med Risk 13.95% - 17.95%
High Risk 17.95% - 21.95%
Establishment/Booking Fee $200.00
Dealer/Broker Fee $120.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge $3.50
Withdrawal Fees
Up to $499 $70.00
Over $500 $150.00
Refinance/Restructure Fee $150.00

Interest Rates
Interest Free 0.00%
Interest Bearing Up to 18.95%
Establishment/Booking Fee $45.00
Security Registration Fee $10.00
Monthly Account Software and Statement Charge $2.50

Maximum Account Size $2,500.00
Interest Rates
Low Risk 16.95%
Medium Risk 18.95%
High Risk 22.95%
Establishment/Booking Fee $150.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge
Statement Charge $4.00
PPI Insurance 0.67% of Balance
Withdrawal Fees
Up to $199 $25.00
Between $200 & $499 $55.00
Over $500 $75.00

Default interest is charged at 10% over the standard rate

Reminder Sms $0.50
Reminder Letter $5.00
Payment Default Letter $10.00
Account in Default Letter $10.00
Security Amendment Documentation Fee $15.00
Repossession Warning Notice $30.00
Repossession Warrant $90.00
Discretionary Fees
Security Amendment Administration Fee $50.00
Loan Variation Fee $150.00