Interest Rates and Standard Fees
Admiral Finance Limited and Quickloans.co.nz
Phone: 0800 200 269
Last updated: 24 July 2025
Standard Interest Rates
| Loan Type |
Minimum Rate |
Maximum Rate |
| Secured Loan |
9.95% |
26.95% |
| Unsecured Loan |
N/A |
N/A |
Interest is calculated daily on the unpaid balance and posted monthly.
Establishment Fees
A contribution towards the cost of assessing and processing approved loan applications.
Fees are calculated based on the complexity of loans.
| Loan Amount |
Establishment Fee |
|
|
| $800.00 to $1,000.00 |
$135.00 |
| $1,001.00 to 1,999.00 |
$195.00 |
| $2,000.00 to $4,999.00 |
$245.00 |
| $5,000.00 to $7,499.00 |
$295.00 |
| $7,500.00 to 11,999.00 |
$395.00 |
| $12,000.00 to $24,999.00 |
$495.00 |
| $25,000.00 to $39,999.00 |
$595.00 |
| $40,000.00 to $49,999.00 |
$695.00 |
| $50,000.00 to $79,999.00 |
$775.00 |
| $80,000.00+ |
$995.00 |
Fees are calculated based on the complexity of loans. The fee is then determined by reference to the bands as shown.
Additional fees may apply for:
- Change of security (non-land): $65
- Loan variation (not restructure or security change): $50
- Legal documentation (if required): as invoiced
- Vehicle search (Motochek or CarJam): $14.45 per item
Loan Administration and Processing Fees
| Fee Description |
Amount |
| Monthly admin fee (third-party direct debit) |
$10 + $5 per additional borrower |
|
|
| Special statement request |
$6 |
| Request for disclosure |
up to $120 |
| Refund of overpayment |
$16 |
| Unidentified deposit investigation |
$6.50 |
| Early settlement/prepayment |
$65 |
| Prepayment compensation |
As calculated |
Collateral Registration and Discharge Fees
| Fee Description |
Amount |
| Manual PPSR registration |
$20 |
| Automatic PPSR registration and renewal |
$10 |
| LINZ mortgage or caveat registration/discharge |
$287.50 / $279.50 |
Default and Arrears Fees
| Fee Description |
Amount |
| Arrears management fee |
$2 per day |
| Default letter |
$12 each |
| SMS |
$8.50 each |
| Call |
$8.60 each |
| Email |
$15.00 each |
| Property Law Act notice |
$500 |
| Field visit by staff |
up to $95 |
| Field visit by third party |
as invoiced |
| Consumer monitor fee |
$14.50 |
| Travel or mileage |
per AA rate |
| Default time fee (admin work on default account) |
$60 per hour |
Repossession Fees
| Fee Description |
Amount |
| Repossession warning letter |
$25 |
| Warrant to repossess |
$65 |
| Post-possession or demand notice |
$26 |
| Repossession agent |
as invoiced |
| Storage fees |
as invoiced |
| Return of repossessed items |
as invoiced |
Collection Costs
| Fee Description |
Amount |
| Collection agent commission |
as invoiced |
| Disputes Tribunal fee |
as invoiced |
| Court proceedings fee |
as invoiced |
| Other charges |
as invoiced |
