Terms And Conditions

Below are links to information about finance products we offer from our primary lender UDC Finance.
Information from our other lenders Finance Now, Oxford Finance, Thorn Finance & Auto Finance Direct are available on request.

Frequently Asked Questions

How To Make A Complaint

Financial Hardship

Credit Sale Agreement (Personal)

Term Loan (Personal)

Security Agreement (Personal)

General Conditions (Consumer)


Standard Fees & Charges

View UDC Standard Fees and Charges (Consumer).
*Please note: the fees shown are from our primary lender UDC Finance. Information from our other lenders Finance Now, Oxford Finance, Thorn Finance & Auto Finance Direct are available on request.

Interest Rates

Vehicle financiers in the market are lending money up to $19.95% per annum*.  Interest rates are fixed for the term of the loan. Rates vary depending upon many factors including the amount of lending, the term of the loan, the size of the deposit, customer credit history and customer risk profile.
*Please note: sometimes the interest rate is higher (up to $29.95%) if customer does not qualify for first or second tier finance ability.

Deferred Payments

6 month deferred available to approved home owners and 3 month deferred available to approved renters. Normal lending criteria applies. Full value of finance contract will be settled in the remaining payments, over the term of the loan. Refer to our normal lending criteria for further terms and conditions.