121 Finance – Loan Review
Amount, $1 000 - $20 000 ;Term, 6 - 36 months
Applying does not commit you to any agreement.
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.