Finance Direct - People on the pulse of finance

Investment Opportunity

Our policy of focusing on and developing the quality of our product offering rather than adopting a quantity-based approach has helped facilitate and secure our continued growth even in recent times of global economic hardship. The careful consideration and conservative approach that we apply to each and every loan, and our policy of brokering riskier loans to other companies have opened up new income streams and helped diversify our product offering, meaning more secure investments for our loyal investors.

Keen to know more about what options we can offer you?
Download our Product Disclosure Statementor email us at an application form.

We also have our investment rates for the year available, and if you require any further information our staff members are on hand to assist you with any inquiries you may have.

Secured First Ranking Debenture Stock

Investment Rates

Current Rates






6 months

3.50% p.a.

3.95% p.a.

12 months

5.50% p.a.

6.50% p.a.

18 months

5.90% p.a.

7.60% p.a.

24 months

6.00% p.a.

7.8% p.a.

36 months

6.30% p.a.

7.90% p.a.

48 months

6.70% p.a.

7.10% p.a.

60 months

7.00% p.a.

7.30% p.a.

Effective 4 April 2024

The minimum deposit is $1,000. and a maximum of $1,000,000

Please note from time to time Finance Direct may not accept new deposits if its quota has already been fulfilled in a given month.

Please note that these interest rates are subject to change. For further information and to confirm these rates, please contact Finance Direct on 0800 399 666.

This rate chart should be read in conjunction with our Product Disclosure Statement (PDS) which can be viewed on the Disclose Register at the Companies Office Website,

No Credit Rating?

The Company is exempt from the requirement to have its creditworthiness assessed by an approved rating agency. This is because it is exempted under the Non-Bank Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2016 (“Exemption Notice”) to have a credit rating. This means that the Company has not received an independent opinion of its capability and willingness to repay its debts from an approved source.

Under the Non-bank Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2016, an exemption is available from the requirement to obtain a credit rating when:

  • the non-bank deposit taker’s capital ratio as at the measurement date for that exemption year is at least 10%; and

  • the average consolidated liabilities of the Borrowing Group as at the measurement date for that exemption year, calculated in accordance with clause 8 of the Exemption Notice, are less than $20 million;

The exemption is available to the Company because its consolidated liabilities are less than $20 million, making it unduly onerous for it to comply with the requirement under the NBDT Act to have a credit rating and in addition, the Company maintains a capital ratio of at least 10%.

Although the Company is unrated, the Company has met all its payment obligations to its Investors since it first offered secured deposits in late 2004.

More information on the Exemption Notice.

The creditworthiness of Finance Direct Limited has therefore not been rated by a rating agency approved by the Reserve Bank of New Zealand for the purposes of the Non-bank Deposit Takers Act 2013.

Finance Direct Limited has made no decision on whether it will seek a rating in the future.