Key facts
- Sign-up fee
- $0
- Monthly account fee
- $0
- Interest-free period on eligible purchases
- 60 days
- Interest rate after the interest-free period
- 27.95% p.a.
This is a summary only, not a substitute for reading the fullterms & conditions and, before you draw down, your Initial Disclosure Statement.
How the rate applies
Revolving Credit
An ongoing account, and the only product Finley launches with. Eligible purchases carry a 60-day interest-free period; any balance not repaid within that window accrues interest at 27.95% p.a. There's no fixed end date — you draw on it and repay as you go.
Other fees that may apply
Sign-up and monthly fees are confirmed at $0. The fees below aren't finalised — we're listing them because they're the kind of thing a credit product typically discloses, not because we have numbers to put next to them yet.
Late payment / default fee
Will be published in the Finley Fee Schedule before launch.
To be confirmed
Dishonoured payment fee
Charged where a direct debit or automatic payment fails — separate to any fee your own bank may charge you.
To be confirmed
Full or partial prepayment
You can repay early at any time. Any fee, if one applied, would be calculated in accordance with the CCCFA and disclosed to you first.
No fee expected
Foreign currency transaction fee
May apply to purchases made in a currency other than New Zealand dollars, on top of the card scheme conversion rate.
To be confirmed
Where these figures come from
27.95% p.a. is confirmed against the CCCFA's high-cost consumer credit contract threshold of 50% p.a. — Finley products sit well below it, so the additional high-cost restrictions (the daily cost cap, the ban on compound interest, the total-repayment cap) don't apply. The rate, sign-up fee and monthly fee are confirmed. Every other fee on this page will be published in the Finley Fee Schedule and your Initial Disclosure Statement ahead of launch.