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Thinking About Finance?

Check out our new online loan offers

In 2 minutes, find out if you qualify for a loan with us that could be as low as 11.95%

We’ve changed the way we operate our business. Why? Because we want to help Kiwis help themselves. One great loan at a time.

  • Interest Rates from 11.95% when you apply online
  • Make bulk payments on your loan without any extra fees
  • No two loans are the same. Our helpful lenders will tailor your loan to fit your unique situation
  • Our obligation-free online application enquiry. Find out exactly what your loan with Geneva will look like before going ahead with anything
Car Finance
  • Interest rates from 11.95%
  • Great discounts on insurance
  • Great savings by becoming a pre-approved cash buyer with Geneva
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Personal Loans
  • Interest Rates from 11.95%
  • Get a loan tailored to your specific situation by our knowledgable lenders
  • Discounts on fees for online applications
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Homeowners
  • Interest rates from 11.95%
  • Homeowners qualify for incredible interest rates with Geneva Finance
  • Discounts on fees for online applications
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Why Geneva?

Our New Online System:

  • We can offer some of the lowest interest rates in New Zealand
  • We can offer some of smallest fee charges in New Zealand
  • Fast, Easy and Simple for you to use
  • Great service from our expert lenders to make sure you get the right loan for your individual situation

No Mucking Around:

  • Our Online Enquiry Application usually takes between 5-10 Minutes
  • We respond instantly, letting you know if we can help you
  • From there we assign a lender to work with you to produce an offer with a complete picture of your loan. Obligation free
  • If you accept you could have the money in your account within 24 Hours

Show me everything I need to know

  • How much can I afford?

    LOAN CALCULATOR

    How much can I afford?
    Loan Type:
    Loan Period:
    Insurance:

    Your weekly repayments:

    The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan.
    The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.

  • Geneva’s full range of Interest Rates

    We calculate all of our interest loan rates on a case by case basis. This means you get the best possible rate you can with Geneva Finance based on your unique situation.

    We calculate our loan rates based on our customer’s:

    • age
    • credit history
    • residential and employment stability
    • financial obligations
    • licence type held (for Motor Vehicle Loans); and
    • any security that is offered as collateral against the loan (if any) cus.

    PERSONAL LOANS (including broker introduced)
    Interest rates vary between: 11.95% – 29.95% per annum

    MOTOR VEHICLE LOANS (including broker introduced)
    Interest rates vary between: 11.95% – 28.95% per annum

    HOMEOWNER LOANS
    Interest rates vary between: 11.95% – 28.95% per annum

  • A full disclosure of Geneva’s fees

    LOAN APPLICATION AND ACCOUNT MAINTENANCE

    Unlike other finance companies or banks we don’t have a flat rate for fees. Geneva fees are minimal charges to cover administration costs associated with your loan. As everybody’s loan is different, everybody’s fees are different too. We only charge you for services of ours you are using. All fees are worked out and included in the loan offer we provide you after your loan enquiry. This means there are no nasty surprises or hidden costs, we’re upfront with you from the beginning about the structure of our loans.

    Loan Establishment Fee
    A fee relating to the receiving & processing of an application combined with the acceptance & establishment of the loan as disclosed in the individual loan agreement. Rather than a flat fee like most finance companies, Geneva varies this rate depending on the loan amount and applicant profile. Charged to the loan when drawn. $50 – $695

    Loan Administration Fee
    A fee for maintaining the servicing of the loan. Calculated as part of the instalment.

    • $2 per weekly instalment
    • $4 per fortnightly instalment
    • $8 per monthly instalment

    Personal property Secuirities Register (PPSR) Fee
    Fees for the costs associated with registering our security interest with the PPSR on any security used against a loan as collateral. Charged to the loan when drawn.

    • Registration Fee $10
    • Applicant Check (per applicant) $1.50

    Other Third Party Establishment Fees
    We will charge other third party fees associated with the establishment of the loan (e.g. Veda Credit Checks, Motorweb Vehicle Checks, Drivers Licence Verification Checks). Charged to the loan when drawn.

    Referral Fee
    A Broker or Vehicle Dealer has the option of charging a referral fee that, if taken, is charged to the loan when drawn. Maximum $1,000. Not applicable when you loan direct from Geneva.

    Refund Transaction Fee
    A fee is charged when a request for any credit on the loan to be refunded is completed. $20

    Prepayment Fees
    An administration fee that is charged to the loan where the loan is settled early.

    • Full Prepayment $40
    • Loan Top-Up / Refinance $25

    Modification Fees
    Reassignment Fee (charged to a loan when assigning one borrower(s) and/or guarantor(s) name to another borrower(s) and/or guarantor(s) name) – $250
    Security Variation Fee (charged to a loan when the goods/security against a loan are to be changed) $30

    Collection Fees

    Text Message Fee: Fee is charged to the loan when attempts are made to contact the borrower(s) and/or guarantor(s) via text message after a breach of the loan agreement has occurred (e.g. overdue loan instalments). Applies on a per-text basis. – $2

    Phone Call Fee: Fee is charged to the loan when attempts are made to contact the borrower(s) / guarantor(s) via telephone after a breach of the loan agreement has occurred (e.g. overdue loan instalments). Applies on a per-call basis. – $5

    Letter Fees: Charged to the loan upon issuance

    Reminder Letter Fee: (sent to the borrower(s) / guarantor(s) after a breach of the loan agreement has occurred (e.g. overdue loan instalments). – $7.50

    Warning to Avoid Default Loading Letter Fee: (issued against an unsecured loan). – $25

    Pre-Possession Notice Fee: (issued under the Credit (Repossession) Act 1997) – $25

    Repossession Warning Notice Fee: (issued under the Credit Contracts and Consumer Finance Act 2003) – $25

    Repossession Order: (issued when we authorise our repossession agents to repossess the loan security when the action stated in a Pre-Possession Notice or Repossession Warning Notice has not been completed within the stated timeframe) – $35

    Post-Possession Notice: (issued following the repossession of security under the Credit (Repossession) Act 1997) – $40

    Post-Repossession Notice: (issued following the repossession of security under the Credit Contracts and Consumer Finance Act 2003) – $40

    Statement of Account After Sale Notice: (issued following the sale of repossessed security) – $40

    Recovery Costs

    Costs incurred by a third party (e.g. repossession agent, legal provider, repairer) will be charged to the loan for the invoiced amount. Copies of invoices are available upon request.

    Default Interest

    In the event of an instalment being missed we will charge default interest at the default interest rate stated on the individual loan agreement from the time the payment was missed until the arrears are paid. – The annual interest rate at the time of the default plus 10% per annum.

  • Making Bulk Payments

    Unlike most other finance companies, we allow our customers to make bulk payments against their loan without penalising you. If our customers want to pay off a big lump of their loan in one go, or even the whole thing at once we gladly let them! No hidden fees or extra costs, just us being flexible to help you.

  • Everything I need ready to start an application

    • If you are securing your loan with a motor vehicle you need the vehicle’s registration number
    • Email Address
    • Be aware of what your weekly income is
    • Be aware of what your weekly housing costs are

    Other than that it’s all personal information you will be able to remember off the top of your head.

    Apply Now

Our no obligation Loan Enquiry takes around 5 - 10 minutes.

Find out straightaway if you qualify.

Apply Now
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