**Current as at 1st December 2025**

CREDIT FEES AND CHARGES

The following credit fee(s) and charge(s) (which are included in the Total Advance) are, or may become, payable under, or in connection with, this Agreement.

• A dishonour fee of $15.00 if any payment you make to us is dishonoured.
• A variation fee of $60.00 if we agree to vary the agreement in any way including but not limited to a successful hardship application.
• A monthly account maintenance fee of $13.00 payable on a monthly basis which is automatically charged to your account.
• A field services agent fee as a disbursement cost or fee, is payable should it become necessary to have them visit you at your residence or workplace to discuss any overdue payments or make an arrangement with you.
• A document retrieval fee of $20 per request, where the documents requested are over and above our statutory obligations.
• Any disbursement cost or fee that is incurred by us including but not limited to: Variation of Security, Credit Checks, PPSR Searches or Motor Vehicle or Property Summary checks.

Note: Some fees may vary.

The following credit fees and charges (which are included in the Total Advance) are, or may become, payable under, or in connection with, this Agreement.

• A Legal/Registration fee charged as a disbursement cost or fee if we register a security interest on the Personal Property Securities Register (PPSR) for a Mortgage/Caveat against this agreement.
• A Loan Processing fee of $255.

INTEREST

Annual Interest Rate: The Annual Interest Rate is fixed for the whole contract being from 22.5% to 32.50%.

All loan applications are assessed on a case-by-case basis.  We calculate your loans based on a range of factors including any security offered, loan amount, licence type (for vehicle loans), financial obligations, employment stability, age, and credit history. Loan approval and terms vary depending on individual circumstances.

Default Interest Charges and Default Fees

Annual Default Interest rate is 7% above the stated Annual Interest Rate.

Default interest is charged on any amount owing which is overdue from the time you fail to make a due payment until the overdue amount is paid. Default interest is calculated daily and debited to your account on a monthly basis.

The following Default Fees:

• A Default Fee of $10.00 for any manually produced enforcement letter.
• A Default Fee of $50.00 for each enforcement notice which is inclusive of the field agent’s visit and delivery charge.
• The default fees and charges which we may incur if we engage third parties as a result of any breach under this agreement or if we enforce this agreement. Such fees and charges can include debt collection and repossession fees.

Note: Some fees may vary.

FULL PREPAYMENT

Administrative costs/fees: $75.00

Where security comprises a caveat or mortgage over real estate, the Administration costs/fee will be $125.00 plus the invoiced release fee from the third party.