Thank you for helping during times of need.
Borrow Now, Pay Later with TerePay
Experience the flexibility of accessing funds when you need them the most while managing your finances.
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Frequently asked questions
Q: What is the minimum and maximum loan amount I can apply for?A: You can apply for a loan between NZD 200 and NZD 2,000. The exact amount depends on factors such as:
Your income and expenses
Your credit history
Your current financial obligations
TerePay’s assessment of your ability to repay
📍We aim to ensure that loans are provided responsibly and under the Lender responsibility principles.
Q: How long is the loan term?
A: The standard loan term is 8 weeks, with repayments made in 4 equal installments every two weeks.
Q: What are the fees and interest rates associated with the loan?A: Our fee and interest structure is as follows:
Annual Administration Fee: NZD 50 (charged once per year)
Interest Rate: Fixed 5% for the entire 8-week term
Default Penalty Fee: 7% of the unpaid amount
Late Fee: $3 for late payment within 24 hours
Note: For returning customers within the same year, the process is streamlined, and no additional Administration Fees apply.
Q: How is the interest calculated?
A: Interest is 5% of the loan amount and applies for the entire 8-week loan term, regardless of when the loan is repaid.
Q: How do I repay my loan?
A: Repayments are made in 4 equal fortnightly installments over the 8-week term.
Q: How can I make a payment?
A: You can make payments via direct bank transfer. Use your loan reference number when making payments. Our bank details are included in the loan agreement document.
Q: Can I repay my loan early?
A: Yes, you can repay your loan in full or in part at any time. However, the 5% interest is still applicable for the entire 8-week loan term.
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What people say about us...
Your service is a great help to people.
Walter
Thank you so much TerePay. A big helped ..Thumbs up
Eric Arambulo
I want to thank TerePay for helping my friend and me. You’re such a blessing to Us. God bless you