An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, $50 annual account fee, fees, terms and conditions apply.

ID and Proof of Address

Accepted forms of ID:


  • New Zealand Driver Licence
  • New Zealand passport
  • Australian passport
  • Any other nationality passport with a valid NZ Residency Visa

Accepted forms of Proof of Address:


In addition, if you apply using any passport other than a New Zealand passport you must also have proof of address, which is either:

  • Utility Bill (includes telephone, internet, SKY TV, electricity, gas, insurance, land and water rates)
  • Account Statement from a bank, building society or credit union
  • Insurance policy
  • A letter or statement from Inland Revenue Department

Please ensure that your Proof of Address document:

  • Has been issued in the name of applicant and not older than 3 months.
  • Has a printed address that matches the one used in the “Information for Credit Application” form (if applicable)
  • Has a physical address (rather than a PO Box)




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