Standard Fees and Charges

You can find a list below disclosing the structure of standard fees and charges applicable to you as a customer under contract

Fee Type	Typical Amount NZ$	Explanation
Establishment Fee	Variable – Typically $450	Acceptance and establishment of finance as disclosed in the individual Consumer Credit Sale Agreement. The fee (within the range specified) varies depending on finance amount and customer profile.
Third Party Establishment Fees	Variable – usually less than $40	Other third party fees associated with the establishment of the finance (e.g. Vehicle Checks, Veda Credit Checks, Motorweb, Drivers Licence Verification Checks). Charged to the Finance when availed.
Personal Properties Securities Register (PPSR) Fee	Registration Fee: $10 + Application check (per applicant): $1.50	Costs associated with registering a security interest with PPSR on any security used against the finance as collateral. Charged to the finance when availed.
Administration Charges	$ 2 per week	Maintaining the servicing of your finance, calculated inclusive of your periodic repayments.
Referral Fee	Variable – No more than $ 750	A broker or dealer may charge a referral fee should you be referred by one in which case this fee applies and is charged to the finance.
Profit/Rent	Variable	This is profit over the term of the finance. This is calculated and agreed upon in the Consumer Credit Sale Agreement. Daily interest rate is not applicable.

All applicable fees and charges are detailed and disclosed in the Consumer Credit Sale Agreement. The total repayable amount inclusive of all charges is divided into periodic repayments.