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:

  • Level of security
  • Quality of employment
  • Credit Rating
  • AgeIncome
  • Outgoings

Interest Rates
Low Risk: 13.95-15.95%
Med Risk: 15.95-18.95%
High Risk: 18.95-21.95%
Unsecured: 18.95-27.95%
Establishment/Booking Fee
Loans up to $1000.00: $200.00
Loans over $1000.00: $240.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge
Statement and Monthly Account Fee: $3.50
Withdrawal Fees $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
Loans up to $1000.00: $200.00
Loans over $1000.00: $240.00
Dealer/Broker Fee: $120.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge
Statements: $3.50
Withdrawal Fees $150.00
Refinance/Restructure Fee: $240.00
Interest Rates
Interest Free: 0.00%
Interest Bearing 18.95%
Establishment/Booking Fee $45.00
Security Registration Fee $10.00
Monthly Account Software and Statement Charge
Statements: $3.50
Refinance/Restructure Fee: $40.00
Maximum Account Size: $2,500.00
Interest Rates
Low Risk: 16.95-18.95%
Medium Risk: 19.95-21.95%
High Risk: 21.95-23.95%
Establishment/Booking Fee $240.00
Security Search and Registration Fee $15.00
Monthly Account Software and Statement Charge
Statements: $3.50
Withdrawal Fees
Up to $199.00 $35.00
From $200.00 to $499.00 $55.00
Over $500.00 $75.00
Refinance/Restructure Fee: $240.00
Maximum Account Size $75,000.00
Interest Rates
Low Risk: 11.99-13.95%
Medium Risk: 13.95-17.95
High Risk: 17.95-21.95%
Establishment/Booking Fee Up to $440.00
Monthly Account Software and Statement Charge
Statements $3.50
Withdrawal Fees $150.00
Caveat Registration Fee Up to $285.00
Mortgage Registration Fee Up to $475.00
Refinance/Restructure Fee: Up to $440.00
Default interest is charged at 10% over the standard rate
Reminder Letter $5.00
Payment Amendment $10.00
Payment Default Letter $15.00
Account in Default Letter $15.00
Security Amendment Documentation Fee $30.00
Repossession Warning Notice $30.00
Repossession Warrant $90.00
    Collections Text Message $0.50
    Collections Email Message $2.50