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| Schedule of Fees | Collection Fees | |||
| - Application Fee (Unsecured Loan): | $65.00 | - Reminder Notices: | $5.00 | |
| - Application Fee (Secured Loan): | $90.00 | - Missed Installments between $6.00 & $10.00: | $5.00 | |
| - Booking Fee applied to Loans between $500-$999: | $100.00 | - Missed Installments between $11.00 & $15.00: | $10.00 | |
| - Booking Fee applied to Loans between $1000-$1499: | $200.00 | - Missed Installments between $16.00 & $20.00: | $15.00 | |
| - Booking Fee applied to Loans between $1500-$3999: | $250.00 | - Missed Installments over $21.00: | $20.00 | |
| - Booking Fee applied to Loans between $4000-$5000: | $300.00 | - Final Demand Fee: | $25.00 | |
| - Booking Fee applied to Loans over $5001.00: | $350.00 | - Prepossession Notice: | $25.00 | |
| - Refund fee: | $10.00 | - Repossession Authorisation Fee: | $45.00 | |
| - Early Settlement Fee: | $50.00 | - In house tracing Fee: | $25.00 | |
| - Security Transfer Fee: | $45.00 | - Debt Collection Transfer Fee: | $200.00 | |
| - Documentation Courier Fee: | $4.00 | - Issuance of Court Proceedings: | $100.00 | |
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- Statement Request Fee: (charged at the discretion of the company) |
$5.00 |
- Restructure Fee: or 10% of the cash price(whichever is greater) |
$25.00 | |
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.
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