From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.
$2K - $60K
6 months - 7 years
7.90 - 25.90% p.a.
When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan:
Set up over a term of 7 years (366 weeks) at 7.9% p.a. interest = weekly repayments of $72.05.
This example is calculated using a floating [secured] rate of 7.9% p.a. over a 7 year term. Total cost of borrowing over the term of this loan would be $26,387.13 (indicative only). This example is not an offer from Unity. The amount you can borrow, loan term, interest rate and your repayments will vary depending on your personal circumstances. Secured floating interest rates from 7.90%p.a. to 24.90% p.a. Terms and conditions and responsible lending criteria apply. Once funded a $200 approval fee and other fees will apply. Click here to view all rates and fees.
Use our lending calculator and apply online for finance today.
Save time and money. Combine your debts into one monthly payment with a debt consolidation loan.
Whether you're buying new or used, our pre-approved vehicle finance helps get you on the road in record time.
Explore the world or your own backyard with our travel loans. Just don't forget to send us a postcard!
Adding value? Or adding more room for the whānau? It's all possible with our home renovation loans.
Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. Check out our helpful finance guides for more information.
|Grade||Interest rate p.a.^||Interest rate p.a.^|
^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 12 May 2022.
You may find the answer on one of the pages below:
If you can't find an answer, please feel free to contact us.
You’ve shopped around and you’re ready to apply! Before you do, there are a few things you should consider. Keep reading to learn how you could save time and money.
Not all providers are created equal. Interest rates and terms vary, so how do you know which is right for you? Read on as we share the five things you should consider.
Considering a loan? Chances are you have some questions. But are they the right ones? Keep reading for the list of questions you should be asking before applying for a loan.