top of page
Office employee

Financial Information

T's & C's 

Example of our Consumer Credit Contract & Terms and Conditions 
Mainland Finance 

Financial

Rates and Fees
Mainland Finance  

Guide

Responsible Lending Guide 
Financial Services Federation 

Guide

Responsible Borrowing Guide 
Financial Services Federation 

Service 

Money Talks 
Free Financial Advice Service 

Guide

A quick guide to borrowing money 
Commerce Commission 

Report

My Credit File 
Equifax 

Report

My Credit File 
Centrix 

Financial Services Policy Disclosure 

Mainland Finance Ltd provide loans for Vehicle Finance with terms from 12 months to 60 months and our annual interest rates (AIR) are fixed for the term of the agreement. Our annual interest rates range from 23.95% to 25.95% depending on your credit profile, the collateral and several other factors that are calculated in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA). Your loan contract will show all applicable credit fees and charges. See our ‘Rates and Fees” above for further details.

 

Method of charging interest

Interest charges are calculated by multiplying the unpaid balance at the end of the day by a daily interest rate. The daily interest rate is calculated by dividing the annual interest rate by 365. Interest is charged to your account in accordance with your repayment frequency. An example of our Consumer Credit Contract and Terms and Conditions is included above for further information. 

FSF-logo.png
download.png
MoneyTalks logo main nz.png

©2022 by Mainland Finance Ltd

All finance applications are subject to Mainland Finance Limited lending criteria, including our responsible lending obligations in accordance with the Credit Contracts and Consumer Finance Act 2003  in conjunction with the Responsible Lending Code July 2024 . This is not a guaranteed offer of finance. 

The information on this website was updated May 2025

bottom of page