How it Works

3 Step Process

More Info

Find

a Vet Clinic

More Info

Apply

To get Pre-Approved

More Info

 

  • Application Fee (Unsecured Loan):
 $65
  • Reminder Notices:
 $5
  • Application Fee (Secured Loan):
 $90
  • Missed Installments between $6.00 & $10.00:
 $5
  • Booking Fee applied to loans between $500-$999:
 $100
  • Missed Installments between $11.00 & $15.00:
 $10
  • Booking Fee applied to loans between $1000-$1499:
 $200
  • Missed Installments between $16.00 & $20.00:
 $15
  • Booking Fee applied to loans between $1500-$3999:
 $250
  • Missed Installments Over $21.00:
 $20
  • Booking Fee applied to loans between $4000-$5000:
 $300
  • Final Demand Fee:
 $25
  • Booking Fee applied to loans between Over $5001.00:
 $350
  • Prepossession Notice:
 $25
Collection Fees:
  • Repossession Authorisation Fee:
 $45
  • Documentation Courier Fee:

$4
  • In house tracing Fee:
 $25
  • Statement Request (posted only):
 $5
  • Debt Collection Transfer Fee:
 $200
  • Security Transfer Fee:
 $45
  • Issuance of Court Proceedings:
 $100
  • Early Settlement Fee:
 $50 Recovery Costs : Costs relating to third party fees.
  .e.g. Repossession/Field Agent/Tracing fees/Court Costs -  As per invoice
  • Restructure Fee:
 $25
Interest rates:

Smartcover Finance Annual Interest rates are variable depending on the customer's credit score. The below Risk Rating chart is based on your Veda credit score.

HIGH RISK

0 - 350

27.95%

POOR

351 - 550

23.95%

FAIR

551 - 700

20.95%

GOOD

701 - 850

19.95%

EXCELLENT

851 - 999

17.95%
Does not qualify for Interest Free Interest Free for 6 months
Default Interest Rate:

In the event of the customer defaulting in payment of an amount payable under our contracts, interest charges will accrue on the entire overdue portion at the default interest rate of 6% while the default continues.

 

Site Map Testimonials Application CriteriaTerms & ConditionsApply Now  

Address
3-2E Ceres Court
Rosedale
Auckland 0632