Interest Rates & Fees

Schedule of standard fees and charges applicable from 1 March 2018

Interest Rates:

We offer interest rates from 12.95% to 24.95% per annum, fixed for the term of the loan.

Establishment Fee – $195.00 to $395.00

Charged for processing the loan, including approval and acceptance of the loan and added to the loan contract when the loan is actually drawn.

Personal Properties Securities Registration (PPSR) – $10.35

Charged to the contract and subsequently paid to the Ministry of Economic Development for registration of our security interest on the Personal Property Securities Register.

Early Settlement – FREE 

Charged to the account when a loan is settled in full before its maturity date

Administration Fees – $2.00

Charged to account each week, and included in your regular repayments.

SMS Charge $0.20

Charged where an account is currently in default and has not been remedied, and it is deemed necessary to contact by SMS messaging service.

Legal Costs

If the structure of your loan or financing is such that we require solicitors to prepare any documentation or advice, you will be responsible for the reasonable legal costs of the legal work undertaken.


The cost of insurance cover for Loan Repayment Insurance, Motor Vehicle Insurance, Mechanical Breakdown Insurance and Accidental Death Insurance may be included in the loan. The premium financed will be paid to the relevant insurance company and provide insurance cover for the period stated in each insurance policy. Take a look at the range of Insurances that MoveSMART offers to protect you, your family, and your assets.

Fee Rebates

Where you settle a loan early, the Establishment Fee is not rebated. CCI insurance is refunded by Rule of 78.