Finance Direct - People on the pulse of finance

Investment Opportunity

Our policy of focusing and developing the quality of our product offering rather than adopting a quantity-based approach has helped facilitate and secure our continued growth even in recent times of global economic hardship. The careful consideration and conservative approach that we apply to each and every loan, and our policy of brokering riskier loans to other companies has opened up new income streams and helped diversify our product offering, meaning more secure investments for our loyal investors.

Keen to know more about what options we can offer you?

Download our Product Disclosure Statement

We also have our investment rates for the year available, and if you require any further information our staff members are on hand to assist you with any inquiries you may have.

Secured First Ranking Debenture Stock Investment Rates

Term Standard Rate Loyalty Rate
49 months

5.95% p.a.

6.95% p.a.
6 months 2.25% p.a. 2.75% p.a.
12 months 3.95% p.a 4.25% p.a.
18 months 4.95% p.a. 5.25% p.a.
24 months 5.25% p.a. 5.50% p.a.
36 months 5.50% p.a. 5.95% p.a.
48 months 5.75% p.a. 6.25% p.a.
60 months 6.10% p.a. 7.10% p.a.

Effective 1st Feb 2017, minimum deposit is $1,000 and a maximum of $200,000.

Please note that these interest rates are subject to change. For further information and to confirm these rates, please contact Finance Direct on 0800 399 666.

This rate chart should be read in conjunction with our Product Disclosure Statement (PDS) which can be viewed at the Companies Office Website,

Rating of Finance Direct Limited

Finance Direct Limited is exempt under the Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2009 from the requirement to have a credit rating under 23(1) of the Non-bank Deposit Takers Act 2013.

More information on the Exemption Notice.

The credit-worthiness of Finance Direct Limited has therefore not been rated by a rating agency approved by the Reserve Bank of New Zealand for the purposes of the Non-bank Deposit Act 2013.

Finance Direct Limited has made no decision on whether it will seek a rating in the future.