$10,000 loan
Lets say you apply for a $10,000 personal loan.
We are no longer offering new loans
if you have any enquiries, please contact us on 0800 734 735
About us
Kiwi owned, we understand that not everyone has the spare cash to buy, and do the things they want, when they want. So, we offer finance solutions to meet their changing needs and help them live the lives they want. That could be a personal loan for a new car, home renovations, an overseas trip, or debt consolidation.
Learn moreRates and Fees
We like to be straight up about any and all costs involved with our loans. So, you’ll find a full list of our interest rates and fees here.
We like to be straight up about any and all costs involved with our loans. So, you’ll find a full list of our interest rates and fees here.
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Personal Loans
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| Annual Interest Rate | 9.95% - 22.95% p.a. variable |
| Establishment Fee | $75.00 |
| Admin Fee (for weekly repayment) | $0.75 |
| Admin Fee (for fortnightly repayment) | $1.50 |
| Admin Fee (for monthly repayment) | $3.25 |
| Late Payment Fee (for weekly repayment) | $7.50 |
| Late Payment Fee (for fortnightly repayment) | $15.00 |
| Late Payment Fee (for monthly repayment) | $33.00 |
| View all fees |
Competitive rates
Our competitive interest rates range from 9.95% – 22.95% pa variable, determined by credit risk. Our APR (which includes interest rates and mandatory fees) ranges from 10.93% to 30.87%
Mandatory fees: account fee of $3.25 a month (other payment frequencies available), establishment fee of $75 to be paid up front or capitalised over the contract term
Below is a representative example of a Thorn Finance personal loan:
THORN FINANCE TERMS AND CONDITIONS: Responsible lending criteria, terms and conditions apply. Interest rate 9.95% p.a. - 22.95% p.a. variable, determined by credit risk. Mandatory fees: account fee of $3.25 a month (other payment frequencies available), $75 to be paid up front or capitalised over the contract term. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required.