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 and only on the NEW money component.
| Loan Amount |
Establishment Fee |
| $0.00 to $499.00 |
$95.00 |
| $500.00 to $1,000.00 |
$230.00 |
| $1,001.00 to 1,999.00 |
$290.00 |
| $2,000.00 to $4,999.00 |
$340.00 |
| $5,000.00 to $7,499.00 |
$390.00 |
| $7,500.00 to 11,999.00 |
$490.00 |
| $12,000.00 to $24,999.00 |
$590.00 |
| $25,000.00 to $39,999.00 |
$690.00 |
| $40,000.00 to $49,999.00 |
$790.00 |
| $50,000.00 to $79,999.00 |
$870.00 |
| $80,000.00+ |
$1,090.00 |
Fees are calculated based on the complexity of loans and only on the NEW money component. The fee is then determined by reference to the bands as shown. i.e. there is no fee for any refinance portion of an existing loan from Crester Credit.
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 |
