121 Finance – Loan Review
Amount, $1 000 - $20 000 ;Term, 6 - 36 months
Applying does not commit you to any agreement.
121 Finance is no longer reachable online. Their website (121finance.co.nz) no longer exists. We recommend comparing other active lenders below.
121 Finance repayment example
Indicative repayment scenarios. Always confirm the exact cost of credit on the lender's website before you apply.
| Amount | Fee | Total payment | Term |
|---|---|---|---|
| $20 000 | $6 485.74 | $26 485.74 | 36 months |
How to apply for 121 Finance
- Apply Online
- Check your loan
- Following approval
121 Finance eligibility requirements
- Be over 18 years of age
- Be a citizen or permanent resident of New Zealand
About 121 Finance
121 Finance is operated by 121 Finance Ltd.. Registered location: Shore City Shopping Centre 52-56 Anzac Street, Takapuna, Auckland 0622. New Zealand lenders are expected to operate under the Credit Contracts and Consumer Finance Act (CCCFA) responsible-lending rules — always read the full loan terms before signing.
Loan Example
If you borrowed $20,000 at 15.95% AIR and made repayments over 36 months your total repayments would be $26,485.74 which includes $595 establishment fee, $432 administration fee ($12 per month) and interest of $5,458.74.
Loan Requirements
- ✓ Be over 18 years of age
- ✓ Be a citizen or permanent resident of New Zealand
Loan Features
- Online loans up to $20 000
- Term 6 - 36 months
Frequently Asked Questions
6 - 36 months after submitting your application.
The minimum amount at 121 Finance is $1,000.
Yes, 121 Finance offers an online application process. Visit their website to apply.