Frequently Asked Questions:

If you can't find the info you need, just call us on 0800 232 788.
The friendly team at fast Track are ready to help!

How much can I borrow if I apply for an unsecured loan?

We believe every customer is an individual, so our one-on-one personal interviews help us establish exactly how much you can afford to borrow. We generally lend up to $1000 for an unsecured loan.

How long does it take to approve a loan?

Once we have all the required information to support your application, we can generally give you an answer in approximately one hour.

What are your interest rates?

Our interest rates are determined by a number of factors, such as the amount of the loan, the security offered, and the term of the loan.

What are your repayment terms?

Our repayment period generally ranges from three months to a maximum of 24 months.

Can I borrow money if I am a beneficiary or have a poor credit record?

At Fast Track Finance, all applications are assessed on an individual basis.  For anyone applying for a loans we look at your income, your credit history and your current income and expenses - this applies to a person in the workforce or a person receiving a WINZ benefit.

How old do I have to be to get a loan?

You must be at least 18 years of age to apply for any form of credit or finance.

What are my payment options?

Direct Debits are our preferred method of payment.  We can upon request set up Automatic payments or wage deductions and can discuss this at time of application.

What security is required?

We can lend on a vehicle you already own and if you are looking at purchasing a new vehicle.  We also lend where you are the owner of a property (house), The value of the security is discussed on an individual basis. There must be no money owing on your vehicle security.For property we can look at registering a caveat.

What if I do not have security for the loan?

If you do not have security for a loan we may still be able to help if you are able to arrange a suitable Co-borrower. The Co-borrower follows the same procedure as if they were borrowing the money and have suitable security.  The other alternative is to look at an unsecured loan.

Another possibility is we could look at consolidating your debt if your vehicle is being used as security elsewhere.  This could be discussed at the time of your application.

Can I get an unsecured loan?

If you are unable to provide security it may be that your situation allows us to offer you an unsecured loan up to the value of $1000.

Can I refinance or "top up" my loan?

Yes. We may be able to refinance your loan if you have a good repayment history with us.

What is debt consolidation?

If you have a number of bills to pay, other loans, hire purchases or credit card balances, it can sometimes save you money to consolidate these into one loan. It is definitely easier to manage in your household budget and payments can be timed to fit your pay cycle.

Can I repay my loan early?

Yes, but please note there is an early settlement fee and that is fully disclosed in the loan contract.

What if something happens and I cannot pay?

We would urge any client that is unable to make a payment to call us on 0800-232-788 (free from any phone) and talk over the situation that works for both parties.

What sort of insurances are available?

Fast Track Finance Hawkes Bay Limited offers a comprehensive Repayment Waiver Plan which covers your repayments in the event of an accident, sickness or death.  We also offer Payment Protection Insurance which covers for accident illness and death. (Please note that the Repayment Waiver and Payment Protection Insurance are different products and can be fully explained at time of application).

How can I apply for a loan?

Call into our office and see our friendly team.  Our offices are located at 74 Munroe Street, Napier and 930 Heretaunga St West, Hastings.

What ID and supporting documents should I bring with me?

You must provide one form of ID from each category below - up to three in total.
All forms of ID must be current. Expired ID is not acceptable.

  • One form of Photo ID. This can be your Passport, Drivers license, Firearms license or 18+ Card.
  • Plus one of the following: Your Birth Certificate, an EFTPOS card with your name embossed on it, Your latest bank statement or a letter from WINZ, IRD or other Govt. Agency addressed to you.
  • Plus proof of your address such a utility bill, car registration renewal letter or any of the previous forms of ID which show both your name and address

What happens when my loan is approved.

Once your loan is approved we will make a time for you to come in and sign the documentation and your will be given a cash cheque or alternatively we can deposit the loan proceeds in a bank account nominated by you.

  • 1 hour approval
  • Same day cash
  • Pay-day loans
  • Car loans & vehicle loans
  • Secured loans from $1000
  • Unsecured loans to $1000

Opening Hours:

Napier Branch

74 Munroe Street,

Monday to Friday:
8.30am - 5.00pm

Hastings Branch

930 Heretaunga St West,

Monday to Friday:
9.30am - 4.00pm

"You have become a good friend and helped me throughout the years even at short notice and till this day I still refer people to you - much respect for you Julie"