Drawing on eight years experience in the Computer Industry we provide Fast and Friendly finance through a network of nationwide retailers.
Finance Made Easy has been our motto since we started in 1998 and we take pride in providing a simple and user friendly lending experience.

With a processing speed of 5 to 30 Minutes for Individual and Business financed purchases you will find your application process to be Quick, Simple and Safe.


We supply finance for the following products listed below.

Individual Finance
You can finance your purchase from $295.00 over 6, 12, 18, 24 and 36 month terms.  We will not secure over your Home Contents or Car like a personal loan, as we secure over what you are looking to buy.*  Benefits include the ability to make balloon payments and upgrade during your term. 

Business Finance
The cost of continually upgrading your office equipment and paying the full upfront cost will drain your bank balance.  Conserve your Working Capital and lease your purchases by using a Lease to Own or a Rental contract to acquire what you need to make your business grow.

All products financed are to be from a Credit Capable or a reputable retailer.  They will need to supply their bank account details on the invoice for your purchase made out to. Credit Capable Ltd  |  P.O. Box 31 720  |  Milford  |  Auckland 0741

* Normal Credit Capable credit criteria apply.  |  Credit Capable Limited. All Rights Reserved.

Unsecured Rates will vary depending on the product you are financing or if your retailer is offering Interest Free options.
For Interest Free options use the web page for Credit Capable via your retailers web site or email finance link.

Interest Rates for Individual Finance range from 15.15% to 19.95% per annum.*

 * Normal Credit Capable credit criteria apply  |  ** We may vary the above listed fees and charges.  |  Credit Capable Limited. All Rights Reserved.

We have provided a schedule of our Website Terms that covers the following topics.

The information provided on this page is current as of the publication date being the 01/04/2013.
It covers general information on the above topics only.  If you have feedback or require further information that is not listed, please use our feedback page.

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy govern Credit Capable’s relationship with you in relation to this website.

The term “Credit Capable Limited” or “Credit Capable” or “us” or “we” refers to the owner of the website whose registered office is 11k Piermark Drive, Albany, Auckland. The term “you” refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

Use of this website
The content of the pages of this website is for your general information and use only. It is subject to change without notice. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.  It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

Links from this website
From time to time this website may link to other websites. These links are provided for your convenience only to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Our privacy policy and terms of condition do not apply to any linked website.

Links to this website
You may not create a link to this website from another website or document without Credit Capable’s prior written consent. If you create a link to this website you remain fully responsible for any direct or indirect consequences of that link.

Intellectual property
This website contains material which is owned by Credit Capable. This material includes, but is not limited to, the design, layout, look, appearance and graphics. You may electronically reproduce and store the website’s contents solely for the purpose of viewing the website. No part of this website or the related files or documents may be otherwise reproduced or transmitted in any form, by any means (electronic, photocopying, recording, or otherwise) without the prior written permission of Credit Capable.

All files, documents and information on this website is to be used for their intended purpose only.

Applications and Personal Information
Information on this site has been prepared in accordance with New Zealand Law. Accordingly, all products and services offered in the website are only available to
New Zealand residents. Only New Zealand Citizens and Permanent Residents may apply for finance.

All interest rates and quoted repayment amounts on this website are indicative only and are subject to change at any time, without notice. No information provided on this website is to be considered as an offer for finance or services.

All applications received by Credit Capable are subject to credit criteria and a booking fee may apply. A repayment waiver fee and other charges may apply.

General
Whilst all effort is taken to ensure that the information provided on this website is accurate neither Credit Capable nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.

You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Use of this website is governed by the laws of New Zealand.

Credit Capable Limited. All Rights Reserved.

We have provided a schedule of our Privacy Policy that covers the following topics.

The information provided on this page is current as of the publication date being the 01/04/2013.
It covers general information on the above topics only.  If you have feedback or require further information that is not listed, please use our feedback page.

Credit Capable Ltd values the importance of safe guarding the personal and financial information you provide.  We are committed to ensuring your privacy.
Your application will ask you to provide information that will be used to identify you.  As this information is confidential and important to you we have provided
the following privacy statement so you know how we treat your information.

What we collect

Information we need to process your application and provide better service

• Address information on where your live, current and or previous.
• Contact and identity information including your email address.
• Occupational title, income and duration employed.
• Financial information on assets and liabilities.
• Web traffic information including IP address.

In addition, a web server may collect web traffic information such as the number and location of visitors (via IP address), the time and date of visits, the number of
pages viewed, technical browser information and logs of website activity and traffic.

How we handle your information

What we use your Information for

• Detecting identity fraud and ML/FT attempts.
• Correctly identify you when processing your application.
• Internal record keeping and previous account identification.
• Improving our products and services that we can offer you.
• Periodically sending emails to you with promotional information. (Only by your express consent)

You can help us to make sure your information is kept up to date.  If you think the information we have on you is out of date or inaccurate, please use the
Feedback TAB for corrections to your records.

The security and protocols we use

What we have in place to ensure your security

• Server encrypted in real time, all customer data.
• Hardware FortiGate Fire Wall with Fibre Connectivity.
• Windows desktop Best Practice Security user Login.
• Cloud based automated encrypted backup procedures.
• Web Server encrypted application.

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic
and managerial procedures to safeguard and secure the information we collect from you.

The controls for your information

What we pledge and how to request your Information

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting, or if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the New Zealand Privacy Act 1993. If you would like a copy of the information
held on you please write to : Credit Capable Limited, P O Box 31-720, Albany, Auckland 0741.

How we use your Web Cookies

What they are and what we do with them

Cookies are small pieces of information which are stored by a website on your hard drive. Cookies store information about web traffic and are an integral part of our
website functionality.  They allow web applications we use to respond to you as an individual and can then tailor to your needs likes and dislikes, by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to
customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives
us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline
cookies if you prefer. This may prevent you from taking full advantage of the website.

Credit Capable Limited. All Rights Reserved.

Phone Call Recording Privacy Policy
Credit Capable records all telephone calls made to our general telephone numbers.  We record calls for our business purposes, such as:

The information on the recordings will be held by us and used and disclosed for these purposes. We will take reasonable steps to ensure the recordings are kept secure. You have the right under the Privacy Act to request access to and correction of any personal information we hold on you.  Should you wish to make an access request please send the request to us:

By email  -  Attention: Privacy Officer
accounts@creditcapable.co.nz

By post  -  Attention: Privacy Officer
Credit Capable Limited, PO Box 31720, Milford, Auckland 0620

If you would like to contact us about this privacy policy, or any matter regarding how we handle your personal information, please contact us. If you are not satisfied with our response to your query or matter, you can contact the Privacy Commissioner. Contact details for the Privacy Commissioner can be found at www.privacy.org.nz.

Credit Capable Limited. All Rights Reserved.