Key facts
- Sign-up fee
- $0
- Monthly account fee
- $0
- Minimum repayment
- 3% or $10, whichever is greater
- 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 full terms & 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 $0. These are the other fees that can apply to your account. There is no foreign currency transaction fee.
Late payment / default fee
Charged for each month your account is overdue.
$19 per month
Dishonoured payment fee
If your automatic payment is dishonoured, any third-party fees incurred will be passed on to you.
Third-party costs
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
Statement fee
Charged to receive your statement by post. To get your statements by email or in the app instead, email [email protected] or call 0800 586 286.
$6 by post
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, minimum repayment and every fee on this page are confirmed, and will also be set out in the Finley Fee Schedule and your Initial Disclosure Statement.