The following are the fees and costs you pay on personal loans and car loans (Provided by GE Money):

Establishment fee

What you’ll pay to cover the administration costs on your loan.

$240 for a personal loan.

$240 for a car loan.

Early repayment fee

When you repay your loan in full early.


Late payment fee

If you don’t pay an amount when due under your loan.

$35 per late payment.

Payment handling fee

When a payment to your loan account is made in cash.

$1.50 per payment.

Personal loans and car loans are provided by GE Finance and Insurance trading as GE Money. Kiwibank may receive a commission for referring a personal loan or car loan to GE Money. GE Money’s lending criteria, terms and conditions, and fees apply. Rates and fees are effective as of 24 November 2014 and are subject to change.