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 13.95% - 18.95%

Establishment/Booking Fee
$240.00
Security Search and Registration Fee $15.00

Monthly Account Software and Statement Charge
$3.50

Withdrawal Fees
Up to $500.00 $70.00
Over $500.00 $150.00

Interest Rates 13.95% - 18.95%

Extablishment/Booking Fee
Booking Fee $200.00
Dealer/Broker Fee Up to $300
Security Search and Registration Fee: $15.00

Monthly Account Software and Statement Charge: $3.50

Interest Rates 0% - 21.95%

Fees
Establishment / Booking Fee $200.00
Security Registration Fee $10.00

Monthly Account Software and Statement Charge $3.50

Interest Rates
Low Risk 16.95%
Medium Risk 18.95%
High Risk 22.95%

Fees
Establishment / Booking Fee $150.00
Security Search and Registration Fee $15.00
Refinance / Restructure Fee $240.00

Monthly Account Software and Statement Charge
Statement Charge $4.00
PPI Insurance 0.67% of Balance

Withdrawal Fees
From $200.00 to $499.00 $25.00
From $500.00 to $799.00 $55.00
Over $800.00 $75.00

Default interest is charged at 10% over the standard rate

Reminder Sms $0.50
Reminder Letter $5.00
Payment Default Letter $15.00
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 $25.00
Loan Variation Fee Up to $150.00
*We may vary these charges from time to time at our discretion.