Auto Loans
The interest rate we offer when you take out a loan with us will be set by reviewing your loan application and assessing your personal profile.
Our assessment of your personal profile includes (but isn’t limited to):
Secured fixed interest rates between:
9.20% – 25.20% p.a.*
*Avanti Finance Auto Loan interest rates are fixed for the term of the loan and may include an introducer margin. The interest rates shown above are intended as a general guide. The final rate is determined based on the borrower’s credit and risk profile, as assessed during the application process. Avanti’s responsible lending criteria, fees, terms and conditions apply.
These fees and charges apply to Avanti Finance Limited Consumer Auto loans.
Fees for Non-Consumer loans are available on application.
Most fees are charged to your loan. You’ll be advised at the time when this isn’t the case.
Effective from 26 August 2025
Establishment Fee
Charged for processing and approving a new loan application or a further advance (top-up), as disclosed in the individual loan contract.
$205
Personal Property Securities Register (PPSR) Fee
A fee to search and register a security interest on the Personal Property Securities Register when you take a secured loan.
$9.10
Dealer Fee
Added to your loan and paid to the dealer.
$500 (maximum)
Monthly Account Fee
A monthly fee to cover the administration of a loan and processing payments. This fee is included in your scheduled payments, and is charged to your account on the first day of each calendar month.
$6.95 per month
Prepayment Administration Fee
Charged to cover our administrative costs when a loan is settled in full before its final payment date.
(Note that you may also be charged a prepayment fee as described below).
$23
Prepayment Fee
In addition to the above prepayment administration fee, you may also be charged:
May be charged to cover our loss resulting from differences in interest rates when a loan is settled in full before its final payment date. We calculate any prepayment fee using a statutory procedure prescribed in regulations.
We’ve prepared a handy fact sheet about prepayment fees and how they’re calculated. You can view that here.
Calculated on request
Loan Restructure Fee
Charged to cover our administrative costs when we restructure an existing loan.
$117
Third-party Correspondence / Authorisation
A fee to cover the processing and entering of authorised third-party details and/or correspondence with third parties.
$5
Arrears Management Fee
Charged to cover our administrative costs if a loan is in arrears for seven or more days during any month.
$60 per month
Payment Dishonour Fee
Charged if one or more scheduled payments are dishonoured during the month and your account is in arrears at the end of the month.
$10 per month
Repossession Administration Fee
Charged to cover our costs if we effect repossession of a secured vehicle.
$142
Issue Court Proceedings
Charged to cover our costs if we issue court proceedings.
$240
Enforcement and Other Costs
Charged if we make any payments or incur any costs for doing anything on your behalf where you have failed to do so under your loan agreement (e.g. arranging insurance) and for any other costs or expenses we reasonably incur in connection with exercising or enforcing our rights under your loan agreement or any related agreement following a default. Copies of invoices are available on request.
Actual costs
Third-party Recovery Costs
Payable when we incur any third-party costs (e.g. debt collection agent, repossession agent, court fees, legal fees, process server, valuer, auction fees) in connection with exercising or enforcing our rights following a default. Copies of invoices are available on request.
Actual costs
Default Interest Rate
If you don’t pay an amount when due, then we will charge interest at the default interest rate on the amount that is due and unpaid while the default continues. However, we will not charge you default interest on any amount that has become payable early because another default has happened under this loan agreement.
Unpaid accrued default interest is charged to your account on the last day of each calendar month.
The default interest rate is the annual interest rate plus 10% p.a.
On 8 November 2024, Branded Financial Services (NZ) Limited (BFS) was amalgamated with Avanti Finance Limited (Avanti). Avanti now manages all BFS loans. As a result of these changes, from 16 November 2024 BFS loans have the same fees as the Avanti auto loan fees above.
Previous rates and fees for BFS loans can be viewed on this rates and fees schedule.
In April 2023, Avanti Finance acquired Finance Central from Limelight Financial Services (also known as Limelight and Thorn Finance).
Finance Central loans between 6 April 2023 and 29 February 2024 have a different set of rates, fees and terms. You can find these here.
Limelight and Thorn Finance loans prior to 6 April 2023 have a different set of rates, fees and terms. Please contact Limelight/Thorn directly.
Personal Loans
The interest rate we offer when you take out a loan with us will be set by reviewing your loan application and assessing your personal profile.
Our assessment of your personal profile includes (but isn’t limited to):
Unsecured fixed interest rates between:
14.95% – 27.95% p.a.*
*Avanti Finance Personal Loan interest rates are fixed for the term of the loan. The final rate is determined based on the borrower’s credit and risk profile, the purpose of the loan, as assessed during the application process. Avanti’s responsible lending criteria, fees, terms and conditions apply.
These fees and charges apply to Avanti Finance Limited Consumer Personal loans.
Most fees are charged to your loan. You’ll be advised at the time when this isn’t the case.
Fees for Non-Consumer loans are available on application.
Effective from 26 August 2025
Establishment Fee
Unsecured Loan
Secured Loan (using a vehicle as security)
Secured Loan (using property as security)
$140
$230
$530
Further Advance Fee
(top up)
Unsecured Loan
Secured Loan (using a vehicle as security)
Secured Loan (using property as security)
$100
$135
$305
Registration Fee
Charged when Avanti Finance undertakes the registration of a caveat over a property (including a change from a caveat to a mortgage).
$205
Personal Property Securities Register (PPSR) Fee
A fee to search and register a security interest on the Personal Property Securities Register when you take a secured loan.
$9.10
Monthly Account Fee
A monthly fee to cover the administration of a loan and processing payments. This fee is included in your scheduled payments. This fee is charged to your account on the first day of each calendar month.
Unsecured Loan
Secured Loan (using a vehicle as security)
Secured Loan (using property as security)
$6.95 per month
$6.95 per month
$9.85 per month
Prepayment Administration Fee
Charged to cover our administrative costs when a loan is settled in full before its final payment date.
(Note that you may also be charged a prepayment fee as described below).
$23
Prepayment Fee
In addition to the above prepayment administration fee, you may also be charged:
May be charged to cover our loss resulting from differences in interest rates when a loan is settled in full before its final payment date. We calculate any prepayment fee using a statutory procedure prescribed in regulations.
We’ve prepared a handy fact sheet about prepayment fees and how they’re calculated. You can view that here.
Calculated on request
Loan Restructure Fee
Charged to cover our administrative costs when we restructure an existing loan.
$117
Third-party Correspondence / Authorisation
A fee to cover the processing and entering of authorised third-party details and/or correspondence with third parties.
$5
Arrears Management Fee
Charged to cover our administrative costs if a loan is in arrears for seven or more days during any month.
$60 per month
Payment Dishonour Fee
Charged if one or more scheduled payments are dishonoured during the month and your account is in arrears at the end of the month.
$10 per month
Repossession Administration Fee
Charged to cover our costs if we effect repossession of a secured vehicle.
$142
Issue Court Proceedings
Charged to cover our costs if we issue court proceedings.
$240
Enforcement and Other Costs
Charged if we make any payments or incur any costs for doing anything on your behalf where you have failed to do so under your loan agreement and for any other costs or expenses we reasonably incur in connection with exercising or enforcing our rights under your loan agreement or any related agreement following a default. Copies of invoices are available on request.
Actual costs
Third-party Recovery Costs
Payable when we incur any third-party costs (e.g. debt collection agent, court fees, legal fees) in connection with exercising or enforcing our rights following a default. Copies of invoices are available on request.
Actual costs
Default Interest Rate
If you don’t pay an amount when due, then we will charge interest at the default interest rate on the amount that is due and unpaid while the default continues. However, we will not charge you default interest on any amount that has become payable early because another default has happened under this loan agreement.
Unpaid accrued default interest is charged to your account on the last day of each calendar month.
The default interest rate is the annual interest rate plus 10% p.a.
Property Loans
The interest rate we offer when you take out a loan with us will be set by reviewing your loan application and assessing your personal profile.
Our assessment of your personal profile includes (but isn’t limited to):
Long-Term Property Loans
Base Variable Rate: 6.85% p.a.
High LVRs >80% may have a margin of up to 1% applied to the rate.
Long-Term Property Loans
Base Variable Rate: 8.00% p.a.
High LVRs >80% may have a margin of up to 1% applied to the rate.
Short-Term Property Loans
Secured fixed interest rates from:
7.89% p.a. (LVR ≤50%)
8.09% p.a. (LVR 55% – 65% )
8.49% p.a. (LVR 65.01% – 80%)
For capitalised and partially capitalised short-term loans, an additional 50bps will apply.
Interest rates fixed for the term of the loan.
Short-Term Property Loans
Secured fixed interest rate from:
13.85% p.a.
Maximum LVR 100%
For capitalised and partially capitalised short-term loans, an additional 50bps will apply.
Interest rate fixed for the term of the loan.
If you choose a variable interest rate, the interest rate is determined by adding a margin (in the range set out above) to the Base Variable Rate. The Base Variable Rate is subject to change.
The margin is determined according to your personal profile (as set out above).
These fees and charges apply to Avanti Finance Limited Consumer Property loans.
Fees for Non-Consumer loans are available on application.
Most fees are charged to your loan. You’ll be advised at the time when this isn’t the case.
Effective from 26 August 2025
Property Loans (excluding First Mortgage Property Loans)
Establishment fee
Further advance fee (top-up)
Caveat/mortgage registration (including a change from a caveat to a mortgage)
$530
$305
$205
First Mortgage Property Loans
Establishment fee
Further advance fee (top-up)
Redocumentation fee
$775
$330
$125
Monthly Account Fee
A monthly fee to cover the administration of a loan and processing payments. This fee is included in your scheduled payments, and is charged to your account on the first day of each calendar month.
$9.85 per month
Multi-drawdown Fee
Charged for each successive drawdown after the initial drawdown.
$18
Loan Restructure Fee
Charged to cover our administrative costs when we restructure an existing loan.
$117
Security Substitution Fee
Charged when we approve a security substitution.
$230
Security Release Fee (per security or reasonable actual costs)
Charged when we release any security we hold over property.
$230 per security or actual costs
Prepayment Administration Fee
Charged to cover our administrative costs when a loan is settled in full before its final payment date.
$23
Fixed Rate Break Costs
(Applies to Residential Long-Term Property Loans only, as detailed in your loan agreement)
If you choose to repay or restructure your fixed rate loan during the fixed rate period or if the loan is repaid early due to our enforcement action taken after a default, we will charge you a fee called a break cost, which is calculated using a mathematical formula set out in your loan agreement. We will tell you what the fee is before you repay or restructure your fixed rate loan.
To be calculated on request
Third-party Correspondence / Authorisation
A fee to cover the processing and entering of authorised third-party details and/or correspondence with third parties.
$5
Arrears Management Fee
Charged to cover our administrative costs if a loan is in arrears for seven or more days during any month.
$60 per month
Payment Dishonour Fee
Charged if one or more scheduled payments are dishonoured during the month and your account is in arrears at the end of the month.
$10 per month
Issuance of Property Law Act Notice
Charged to your loan after we issue a default notice in accordance with the Property Law Act 2007.
$150
Issue Court Proceedings
Charged to cover our costs if we issue court proceedings.
$240
Enforcement and Other Costs
Charged if we make any payments or incur any costs for doing anything on your behalf where you have failed to do so under your loan agreement (e.g. arranging insurance) and for any other costs or expenses we reasonably incur in connection with exercising or enforcing our rights under your loan agreement or any related agreement following a default. Copies of invoices are available on request.
Actual costs
Third-party Recovery Costs
Payable when we incur any third-party costs (e.g. debt collection agent, repossession agent, court fees, legal fees, process server, valuer, auction fees) in connection with exercising or enforcing our rights following a default. Copies of invoices are available on request.
Actual costs
If you don’t pay an amount when due, then we will charge interest at the default interest rate on the amount that is due and unpaid while the default continues. However, we will not charge you default interest on any amount that has become payable early because another default has happened under this loan agreement.
Unpaid accrued default interest is charged to your account on the last day of each calendar month.
Default Interest Rate
All Property Loans (excluding First Mortgage Property Loans)
First Mortgage Property Loans
Annual Interest Rate plus 10% p.a.
Annual Interest Rate plus 5% p.a.
