Rates and fees
At Pacific Finance we believe in being completely upfront about what a loan will cost. Before you agree to anything, we’ll walk you through your repayments, interest rate and any fees that apply – so there are no surprises.
Our standard
interest rate
Our standard interest rate is 29.5% per annum.
Your exact rate and repayment schedule will be clearly explained before you agree to anything. If you have questions about what this means for your specific loan, our team is happy to walk you through it in plain language.
Schedule of
rates and fees
For full details of our current rates, fees and loan terms, download our schedule below.
Download our Schedule of Rates & Fees (PDF)
If you’d prefer to talk through the rates and fees rather than read a PDF, just call us or come into our Avondale office. Our team will explain everything clearly and answer any questions you have … no jargon, no pressure.
See what your
repayments could
look like
Most of our customers are surprised how manageable the repayments are.
Use our calculator to check weekly or fortnightly repayments before you apply – no commitment, no personal information needed.
Join thousands of satisfied customers who’ve achieved their goals with Pacific Finance. Our online application takes just 2 minutes to complete.
Or call us on 0800 744 227 to discuss your needs.
APPLY
ONLINE
Our application takes about 2 minutes and you can do it any time.
CALL OUR
TEAM
Talk to one of our team who will guide you through the process.
VISIT US IN
AVONDALE
Come in and we’ll sit down with you in person and help you.
Responsible lending
what it means for you
Pacific Finance is committed to responsible lending. In practice, that means before we approve any loan, we take the time to make sure the loan is genuinely affordable and suitable for your situation.
This isn’t about making things difficult it’s about making sure we’re doing right by you. We’d rather have an honest conversation upfront than put someone in a position they’ll struggle with later.
Before your loan is finalised, you’ll receive full documentation including your loan agreement, disclosure statement and repayment schedule. We’ll walk you through it all and make sure you understand exactly what you’re agreeing to.
