NAPIER LOANS
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  • Repayments of only $50.00 per week
    Please phone for a custom rate on loans over $10,000
Napier Loans
Apply online... approval within 25 minutes

If you need a loan in Napier, then you’ve come to the right place. QuickCash Finance has been helping people throughout Napier, with a range of loans, for over 19 years. And now, our online Napier loans are quicker and easier than ever.

Easy Online Application

You can apply from any smart phone, tablet or computer. If approved, we’ll send you your loan contract electronically, and you can sign it digitally… which means no more documents, forms, printers, scanners and awkward trips to the bank.

It only takes five minutes to apply… and the whole process (cash in your bank!) can take less than 30 minutes.

Whatever the occasion, you needn’t go past QuickCash Finance for online loans in Napier.

In particular, we specialise in emergency loans, understanding that when you finance fast, you don’t have time for dozens of forms and trips around the CBD.

So whether it’s a car loan, a rental bond loan,  a debt consolidation loan or whatever… you can have it all sorted in less than 30 minutes with QuickCash Finance!

 

Fast Loans Anywhere in Napier

And it doesn’t matter where in Napier you are. Whether it’s Taradale or Tamatea, Pirimai or Poraiti; QuickCash Finance is your answer for fast, same-day cash loans. We’ve known of people to complete the whole process from out in the bush or on the beach. As long as you can get online, you can apply for a loan.

 

Napier Loans Made Easy

So what are waiting for? Apply now and see why QuickCash Finance is the modern solution for loans in Napier and online loans in New Zealand.

100% Online Application
No need for printers, scanners or trips to the bank
Cash in 30 minutes
Fixed rates = No surprises
No early payment penalties
Apply Online Now
Financial Service Provider: FSP19463
Disclosure - Costs of Borrowing
Annual interest rates

At QuickCash our interest rates are set according to the Loan to Value Ratio (LVR), using the amount borrowed and the security available. We never change a fee for early repayment and our interest rates are fixed to provide certainty throughout the life of your loan. Below is a table showing the Annual Interest Rates (AIR) for each security type and LVR.

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Security/LVR0-20% LVR21-40% LVR41-60% LVR61-80% LVR81% + LVR
Residential first mortgage
(with registered valuation addressed to QCFL)
12.5% interest16% interest18% interest20% interestN/A
Residential first mortgage14% interest16% interest18% interest20% interestN/A
Caveat21% interest23% interest25% interestN/AN/A
Motor vehicle, boat, caravan, processing plant or other16% interest18% interest26% interest26% interest26% interest
Security/LVR Residential first mortgage
(with registered valuation addressed to QCFL)
0-20% LVR 12.5% interest
21-40% LVR 16% interest
41-60% LVR 18% interest
61-80% LVR 20% interest
81% + LVR N/A
Show MoreShow Less
Security/LVR Residential first mortgage
0-20% LVR 14% interest
21-40% LVR 16% interest
41-60% LVR 18% interest
61-80% LVR 20% interest
81% + LVR N/A
Show MoreShow Less
Security/LVR Caveat
0-20% LVR 21% interest
21-40% LVR 23% interest
41-60% LVR 25% interest
61-80% LVR N/A
81% + LVR N/A
Show MoreShow Less
Security/LVR Motor vehicle, boat, caravan, processing plant or other
0-20% LVR 16% interest
21-40% LVR 18% interest
41-60% LVR 26% interest
61-80% LVR 26% interest
81% + LVR 26% interest
Show MoreShow Less
Fees

At QuickCash our interest rates are set according to the Loan to Value Ratio (LVR), using the amount borrowed and the security available. We never charge a fee for early repayment and our interest rates are fixed to provide certainty throughout the life of your loan. Below is a table showing the Annual Interest Rates (AIR) for each security type and LVR.

All of our loans have an establishment fee, whether it is a new loan or a refinance. This is the fee for receiving, processing and advancing your loan. For loans of $200-$499, the establishment fee is $175. For loans of $500-$20,000 the establishment fee is $350.
There is also an administration fee with all of our loans, to cover the costs of administering each loan. We have designed this to incorporate all administrative costs, so we don’t charge you for your 6-monthly statements, balance requests, processing of payments or anything else involved with your loan, to give you the certainty of a fixed cost throughout the life of your loan. Our administration fee is $5 per week, but only charged while the loan is active.

If a loan goes into default, default fees and default interest will apply. The default fee and default interest have been designed to cover the increased cost to the company for the frequent monitoring, additional contact with the borrower and third parties (eg: budget advisors or guarantors) and the increased reporting requirements. The default fee is $1 per day, payable daily but charged weekly. And the annual default interest rate is 22.5%, which is only charged on the portion of the loan that is in default.

Google AdWords Financial Services Policy

Beside our Costs of Borrowing above, we have provided a representative example of the total cost of a typical loan as well as an Annual Percentage Rate (APR) showing different costs of our loans.

Your loan contract will clearly show all costs involved with your loan, as required under New Zealand’s Credit Contracts and Consumer Finance Act.  Under that Act, your disclosure statement shows an annual interest rate (AIR) as a percentage and that rate is made up only of the interest.  It does not include credit fees.

However we give you the APR example to comply with Google AdWords Financial Services Policy.

In our sample loan, if you borrowed $5,000 and repaid it over 52 weeks, the total amount you would repay would be $6,348.68.  This is made up of $738.68 of interest, $260.00 of administration fees and $350.00 for the establishment fee (as above).

Under the Credit Contracts and Consumer Finance Act the maximum Annual Interest Rate (AIR) is 26%.

However, when we include credit fees in the calculation for the percentage it gives us the APR. The maximum Annual Percentage Rate (APR) is 26.97%.

Quick Cash Finance has a minimum loan term of 365 days and a maximum loan term of 5 years (1825 days). QuickCash allows you to repay your loan early with no penalty fees for early repayment.

You can view an example of our standard credit contract and disclosure statement here. Or if you would like an individual loan quote, please phone us on 0800 784 252.