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% | 26.9% |
Interest is calculated daily on the unpaid balance and posted monthly.
Establishment Fee
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:
- Legal/Solicitors Fees to Document Loan (if required): as invoiced
- Existing Loan Top-Up Fee (not a refinance): $250
- 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 |
| $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 |
Why Choose Admiral Finance For Your Next Loan?
Borrow From A Company You Can Trust
Our staff are locals who understand the financial demands of living in New Zealand. We’ll treat you with respect, outline your best options, and give you a fair loan that suits your personal circumstances. You can even come and visit us in our Christchurch office.
Get The Funds You Need Within 24-Hours
Apply for a loan & get approval within minutes, subject to the responsible lending code and affordability, & your funds are often released same day.
Competitive Loans That Suit Your Lifestyle
You can potentially save thousands with an Admiral Finance loan. Our rates are extremely competitive, and designed to suit your lifestyle and budget. So you can rest assured that when you apply for an Admiral loan you’re improving your life and financial situation, not just adding another financial burden.
Flexible Options For All Financial Situations
Admiral is run by real people, not computers. So when we consider your application we’ll review your current situation and ability to pay without focusing on your past. Even if you’ve had difficulties securing funds in the past, it’s quite possible we can find a flexible solution for your situation.
Easy Loan Application
step 1
Apply in only 5 minutes online, or give us a call to discuss on our Freephone number 0800 200 261
step 2
One of our friendly team will personally assess your application and be in touch within 60 minutes* (during business hours & subject to the responsible lending code)
step 3
If you’re loan is approved, we’ll release your funds, within 24hrs directly into your account subject to the responsible lending code & affordability.
If you want to talk to one of our friendly team about your loan, give us a call now for free on 0800 200 261. Or, if you’re in Nelson, Dunedin, Invercargill, Timaru, or in and around Christchurch, we can even send someone over to see you at home.
Our Customers
Michael borrowed $8,750 to purchase a van for his new business
"Admiral Finance are definitely the only finance company we would deal with in the future. They provide an excellent, hassle-free service and are very user friendly. I would seriously advise people to approach them if they need finance."
Read their full story
Jan needed $1500 to buy some furniture for her home
Jan needed $1500 to buy some furniture for her home Jan is a lady with her hands full. She manages a pharmacy during the day and has dogs and home renovations that keep her busy after hours. She wanted to buy some new furniture for her home. Jan called on Friday and had her loan approved the same day.
Read their full story
Brian needed $700 for urgent car repairs
Brian needed $700 for urgent car repairs Brian’s car broke down in the car park at the local supermarket. With steam bellowing everywhere, it was obvious that the engine had overheated and needed urgent repair. Brian saw an advertisement for Admiral Finance in the newspaper and called us. As Brian worked full-time as the operations manager for a paper company, he was unable to sign the legal documents during work hours. So we went to him after hours and signed him up right there and then. We also gave him the money straight away.
Read their full story
Stuart borrowed $500 to pay school fees
There were no problems at all, the mobile manager came direct to my house to sign up the contract. The people are friendly and the access to loans is easy. They don’t take long to get.
Read their full story
Brent borrowed $14,000 for debt consolidation
We worked out a way that Brent could repay the money with payments coinciding with his payday. We got him the $14,000 and Brent was able to pay off his credit cards straight away.
Read their full storyWith us, getting finance from $1,000 – $50,000 couldn’t be easier
Save thousands
over the course of your loan competitive rates
Enjoy flexible payment
options that suit your lifestyle and pay cycle
Get a zero-deposit loan
secured by a vehicle, household items, or property
And get approved fast
in as little as 60-mins*. Get back to enjoying life, not focusing on bills, subject to the responsible lending code & affordability.
If you want to talk to one of our friendly team about your loan, give us a call now for free on 0800 200 261.
Lending criteria, terms and conditions, and fees apply to all Admiral Finance personal loans.