It is important that you know that all finance approvals are subject to Lender (the finance company) credit criteria and responsible lending requirements.

Terms and interest rates offered to you will depend on your own individual or company circumstances and the type of loan arrangement and Financier (the finance company). Terms range from 6 months to 7 years. Interest rates vary and are subject to Lender interest rates at the time of the loan approval.

Lender fees and charges + terms and conditions will vary for each individual depending on the Lender which best suits your needs and objectives and will be discussed with you throughout the approval process.

Our service fee (commonly referred to as an introducer, or broker fee), for arranging finance on your behalf can vary between $ 0.00 and $ 995, depending on the type of loan arrangement, and is included in your loan repayments. The fee Kia ora Finance charges relates to the provision of our specialised services in assisting you in obtaining the right solutions to meet your needs and objectives. If you do not enter into the loan agreement, you will not be charged.

Insurance products are something Kia ora Finance offer to all customers eg. Loan Protection Insurance, Shortfall Insurance, and Motor Vehicle Insurance.  All insurance policies are administered on behalf of Autosure.

Commission
Kia ora Finance may receive commission from a financier for assisting you to obtain finance.  You do not have to pay this to us, it is paid to us by the Lender.