Questions, answered.

Finley is a flexible credit product that allows flexibility around credit you can source. It is also a new way to pay in store straight from your phone. Initially Finley will offer a revolving credit product just like EasyCard did. Finley also has an app that includes your balance, statements and the ability to pay at participating retailers. In later releases you will be able to ask for your balance to be reviewed and new customers will be able to apply for a new account with Finley. There is no sign-up fee and no monthly fee. Finley is a trading name of Pioneer Finance Limited (FSP2861). Fast. Flexible. Friendly.

When we allow new applications, you need to be 18 or over, a New Zealand resident with a New Zealand address, bank account and mobile number, and able to pass our identity checks. Finley is for personal, domestic or household purchases. Approval is never guaranteed, and every application is assessed for affordability.

No. There's no sign-up fee and no monthly account fee. See our Terms & fees page for the full picture, including interest rates and when they apply.

Terms & fees

Most decisions come back quickly once you've completed identity verification and connected your bank accounts for an affordability check. If you're approved, you'll see your credit limit before you agree to anything.

Every application is assessed against our responsible lending obligations under the Credit Contracts and Consumer Finance Act (CCCFA), including affordability, and we may decline any application. A decline doesn't stop you reapplying later if your circumstances change.

No. Applying includes a credit check with a credit reporting agency (Equifax, Experian or Centrix), which is recorded on your credit file, but applying doesn't affect your credit score.

Yes, within a short time. You can cancel by giving us notice within 5 working days if you received your agreement in person, 7 working days if it was emailed, or 9 working days if it was posted. Tell us in writing, by email, by post or through the Finley app.

You'll need to return or pay for anything you've bought, and we may charge reasonable expenses and interest for the time you had the credit. Your agreement explains the details.

Yes. Goods you buy with Finley are subject to a security interest until they're paid for in full. If you don't keep up your payments, we may, as a last resort and only as the law allows, repossess and sell those goods. If the sale doesn't cover what you owe, you'll still owe the balance.

Yes. From 1 November 2026, EasyCard becomes Finley. It's a smooth move to our new brand and system, not a cutover with a gap in between.

Pioneer Finance Limited has owned EasyCard for some time, with Smiths City Finance Limited managing accounts on its behalf. From 1 November 2026, Pioneer Finance manages your account directly, and the team who look after you move with it.

No. Your EasyCard account moves to Finley automatically, and your existing EasyCard agreement and its terms continue. There's no new application. Keep making your repayments as you do now.

No. It stays the same, and you can use it to buy with Finley in store and online.

No. Your credit limit, interest rate, fees and the terms of your existing purchases, including any interest-free periods, stay as they are.

No. We're not issuing physical cards as part of the move to Finley. Finley is designed to be used through the Finley app, not a plastic card.

You don't need it. Physical cards haven't been needed for some time. Keep it or cut it up and dispose of it. Either way, your account stays open.

The app is rolling out from 1 November 2026. We'll email you when it's ready, with a link to download it.

• Download the Finley app from the App Store or Google Play.
• Register as a new user with the same name, mobile number and email address we hold for you.
• We'll link your existing account automatically. You don't need to apply again or connect a bank account.

If your account doesn't appear, contact us and we'll sort it out.

No. You can keep shopping with your EasyCard number or mobile number.

Once we go live with accepting new applications, yes you can. You can renew in the Finley app. Enter your EasyCard number or mobile number and we'll fill in the details we already hold, so you only need to check and confirm them. You'll then complete an affordability assessment, a credit check and identity verification, and accept a new Finley agreement on current Finley terms. We are aiming for December 2026 to have the app accepting new applications.

Retailers who accept EasyCard move across to Finley automatically, without re-signing contracts. Some may still say EasyCard while their signs are updated. Check Where to use it for the full list.

Where to use it

Yes, in two ways. From 1 November 2026 your plan becomes part of Finley, and Pioneer Finance Limited manages your account day-to-day, taking over from Smiths City Finance Limited.

No. Smiths City Finance Limited still owns your loan, and your agreement with it stays in place. Pioneer Finance Limited manages your account on its behalf.

• Your interest rate.
• Your repayment amount and dates.
• Your remaining term.
• Your account number.
• Your rights under your original agreement.

Not at launch. We're adding Fixed Instalment accounts to the app later and will let you know when it's ready. In the meantime you'll keep receiving statements, and you can contact us any time.

Your Fixed Instalment Agreement covers the purchase it was set up for. For new purchases, you can apply for Finley in the app, subject to our lending criteria. We are still working on accepting new applications and that is likely to be from December 2026.

Yes, as your agreement allows. Contact us for a payout figure.

No. Your plan doesn't use a card, and no physical cards are being issued.

Ask to pay with Finley, then:

• New Finley customers: scan the QR code in the Finley app.
• EasyCard customers: give your EasyCard number or the mobile number we hold for you. Once you're set up in the app, you can scan the QR code too.

You may be asked to show ID when you buy. This helps protect your account.

Choose Finley (or EasyCard) at checkout where it's offered, then enter your EasyCard number or mobile number when asked.

It's on your statement. You can use your mobile number instead, or contact us.

Let us know before you shop so we can find your account and update your details.

At participating retailers, including everywhere that accepts EasyCard today. Check Where to use it before you shop. We add stores as they come on board.

Where to use it

Contact the retailer where you made the purchase. Your refund is credited back to your Finley account once we receive it from the retailer.

No. Finley accounts are personal: one person per account. They can't be shared, transferred or used by anyone else, including family members.

It's an ongoing account. Eligible purchases carry an interest-free period, and any balance you don't repay within it starts accruing interest. There's no fixed end date: you draw on it and repay as you go. The app shows the interest-free period for each transaction and how long you have left.

Terms & fees

On the day the purchase is charged to your Finley account. If you order something that isn't ready to collect or deliver straight away, that can be before you receive it.

It's what Finley launches with. More ways to pay are coming, and we'll say so here and on How it works as soon as they're live.

How it works

On our Terms & fees page and in the Finley app. The Revolving Credit interest rate is variable, and we'll give you notice of any change as the law requires.

Terms & fees

At least the minimum payment shown on your monthly statement, by the due date on that statement. You can pay more, or your whole balance, at any time. Our Terms & fees page explains how the minimum payment is worked out.

Terms & fees

You can ask us to increase or reduce your limit at any time. Increases are subject to our lending criteria and aren't in the app yet, so contact us. We may reduce your limit by giving you written notice.

You'll need to repay the amount over your limit straight away, and default interest may apply while you're over it.

Yes, any time, with no fee.

Default interest and default fees may apply, as set out in your agreement, and we may report the missed payment to a credit reporting agency. Because Finley is secured, continued missed payments could also lead to the goods you bought being repossessed.

If you're struggling, contact us before the payment is due. We may be able to help, including with a hardship variation under the CCCFA.

No. Keep paying into the same bank account with the same reference. If you have an automatic payment set up, leave it as it is. If you pay when you choose, keep doing so the same way.

• EasyCard and Fixed Instalment customers: the same way as now, by email or post. Statements show the Finley name from the October statement, which arrives in early November 2026.
• New Finley customers: monthly statements in the Finley app. Paper statements are available on request, and a fee will apply. See Terms & fees.

Terms & fees

Finley is a trading name of Pioneer Finance Limited, the company managing your account.

Yes. Contact us.

Tell us straight away. Information in the app, such as balances and transactions, may not always update in real time, so check your statement and contact us if anything doesn't match.

It's really us, but scams do target finance customers, so it's smart to check. We'll never ask for your password, PIN or one-time code by text, email or phone. If you're unsure, don't click a link. Go directly to finley.co.nz or contact us on a number you already trust.

Tell us immediately and we'll put a hold on your account. You can't freeze your account in the app yet. We'll investigate any transaction you say you didn't make.

Keep your login, PIN and phone secure, and never let anyone else use them. Transactions made with your login details may be treated as made by you.

No. You can use a PIN instead. We recommend setting one up, as it better protects your account.

Yes, any time in the app. Withdrawing consent doesn't undo anything done lawfully before, and it may limit some features, such as credit limit increases or budgeting tools.

We handle your information under the Privacy Act 2020 and our Privacy Statement. We use it to verify your identity, assess applications, manage your account and meet our legal obligations. We share it only as our Privacy Statement explains, for example with credit reporting agencies and identity verification services. For Fixed Instalment customers, we also share it with Smiths City Finance Limited, which owns your loan.

Some information is stored securely with cloud providers, which may be overseas, always in line with the Privacy Act. EasyCard and Fixed Instalment customers' information moves securely onto Pioneer Finance's systems so we can manage your account.

Privacy Statement

Yes. Contact us and ask for our Privacy Officer. We'll need proof of identity first, to make sure we only give your information to you.

Mainly electronically, by email, text and through the Finley app. Please keep your address, mobile number and email up to date with us.

Only with your consent. You can unsubscribe at any time using the link in the message or by contacting us. Service messages about your account will still come to you.

Yes. Once you've repaid everything you owe, ask us in writing, by email, by post or through the app, and we'll close it. This isn't self-serve in the app yet.

Tell us first, in the app, by phone or by email. We aim to acknowledge a complaint within 2 business days and resolve most within 10.

You can ask for it to be escalated to our senior management, or take it free of charge to Financial Services Complaints Limited (FSCL), our independent dispute resolution scheme:

• Online: complaint form at www.fscl.org.nz
• Phone: 0800 347 257
• Post: PO Box 5967, Wellington 6140

Contact us as soon as you can. If illness, injury, losing your job, the end of a relationship or another reasonable cause means you can't keep up, you can apply for a hardship variation under the CCCFA. To apply:

• Apply in writing (email or post is fine).
• Explain why you're finding it hard.
• Tell us what change you need, for example postponing payments, and for how long.

Don't wait, because we may not have to consider an application that's left too long. Applying doesn't affect your right to also make a complaint. This applies to EasyCard and Fixed Instalment customers too.

• In the app, under Help.
• Phone: 0800 586 286
• Email: [email protected]
• Post: Pioneer Finance Limited, PO Box 37084, Parnell, Auckland 1052
• Office: 106/100 Parnell Road, Parnell, Auckland 1052
• Website: finley.co.nz

Yes. They stay open alongside Finley for a period. Over time, everything moves to Finley.