PhotoandVideoInt

Individual Finance - (Buying for personal use)

Work out your payments
Insert your purchase price (round to dollars) to the left and include any deposit amount to calculate repayments using 6,12,18,24 or 36 month payment terms.

Weekly, Fortnightly and Monthly payment frequency options are available.

Photo and Video 0% Interest options


	Are available on the following payment Terms. **

6 Month payment Term with 0% Interest for 3 Months. 12 Month payment Term with 0% Interest for 3 Months. 18 Month payment Term with 0% Interest for 3 Months. 24 Month payment Term with 0% Interest for 6 Months. 36 Month payment Term with 0% Interest for 6 Months.
	Choose a payment Term and select it from the Payment Term menu below.

Save your Cash for Chistmas


	NO Payments and NO Interest for 3 or 6 Months options below. *

24 Month Term with No Payments and No Interest for 3 Months. 36 Month Term with No Payments and No Interest for 3 or 6 Months. on all purchases from $500 to $6000

	Choose a payment term and select it from the Payment Term menu below.

Q and A

Interest Rates start from 6.46% per annum.

Your application to approval process takes from 5 to 30 Minutes.*
Yes you can settle early and we will not charge for our interest loss.
Yes you can make Balloon Payments during your term.
No Deposit options are available.*


			Initial Criteria : You will need to be over 18 years old and either a New Zealand Citizen or Resident.


	Retailer Name :


	Price Including G.S.T. $ :


	Quote or Order Type : *


	Deposit Amount : *


	Quote or Order Number :


	Specified Deposit Amount :


	Description of Goods :


	Payment Frequency :


	Payment Term : *


	Given First Name :


	Salutation :


	Given Middle Name :


	Citizenship :


	Surname :


	Marital Status :


	Date of Birth : DD/MM/YYYY


	Dependants :


	Click “next” button to continue - ( Step 1 of 4 )


	Contact and Address


	E-Mail :


	Home Ph :


	Mobile Ph : *


	Work Ph :


	Home Address :


	Home Suburb :


	Home City :


	Years at Home Address :


	Previous Address


	Address :


	Suburb :


	City :


	Years at Previous Address :


	Personal Contact Family Member, Friend or Work Colleague who does not live with you and will have your contact information. (May be used as a last resort to contact you.)


	Full Name :

	Contact Phone :


	Full Address :

	Person CANNOT live with you.


	Click “next” button to continue - ( Step 2 of 4 )


	ID Verification Select the form of Photo ID you have. Proof of your identity will be required by Photo ID.


	Primary Identity Type :


	ID Number :


	Drivers License Version No : *


	If supplied - Look for 5b on your card


	ID Expiry Date : DD/MM/YYYY


	Employment Status : *


	Occupation :


	Years at Current Work :


	Employers Name :


	Weekly Income (In Hand) : *


	Annual Income (Before Tax) : *


	Home or Land Owner:


	Home or Land Value :


	Vehicle Owner:


	Home or Land Mortgage Balance :


	Credit References Companies you have or had finance with.


	Credit Reference 1 :


	Any Outstanding Balance :


	Credit Reference 2 :


	Any Outstanding Balance :


	Click “next” button to continue - ( Step 3 of 4 )




		YOU CONSENT TO OUR COLLECTING, HOLDING, USING AND DISCLOSING (A) INFORMATION ABOUT YOU THAT YOU GIVE US AND (B) OTHER INFORMATION WE GATHER ABOUT YOU (“PERSONAL INFORMATION”) AS FOLLOWS: So we may: 1a) Verify what you tell us about yourself with third parties such as Government Agencies (including the Ministry of Justice The NZ Transport Agency and the Insolvency Service) credit reporters and debt collecting agencies. b) Carry out credit checks on you. c) Decide whether to lend you money, administer any loan and enforce payment. d) Comply with our obligations under the Anti-Money Laundering, Countering the Financing of Terrorism Act 2009 and the Credit Reporting Privacy Code 2004. 2) In these processes we may provide your personal information to third parties and the credit reporting agencies and debt collectors may hold that information and may disclose it to other parties who wish to carry out credit checks on you or for other lawful purposes. Please contact us for details of the credit reporting agencies we use. If we are unable to collect this information we may not be able to provide finance to you. You have rights to access the personal information we hold on you and request correction of your personal information in accordance with the Privacy Act 1993. Please contact us to make these requests.


	You declare that the information you give us is true and correct and you consent as shown above. I have been provided and read a copy of the contract

Terms and Conditions.


	Tick Box and click Submit to complete your application.


	Notes


	Click “previous” button to step back - ( Step 4 of 4 ) - Correct any errors in highlighted red fields and click Submit.




	* Normal Credit Capable credit criteria apply. \| ** Available until the 31/12/2018, Retailer terms and conditions apply. \| Credit Capable. All Rights Reserved. \| Rates & Fees \| Terms \| Feedback \| Privacy Policy

Business Finance - (Buying for business use)

Work out your payments
Insert your purchase price (round to dollars) to the left and include any deposit amount to calculate your payments from
6,12,18,24,36 or 48 month terms.* Weekly, Fortnightly and Monthly payment frequency options are available.

Photo and Video Interest Free options


	Interest Free options are currently available on the following payment Terms.**


	6 Month payment Term. 12 Month payment Term. 18 Month payment Term.


	24 Month payment Term. 36 Month payment Term. 48 Month payment Term.


	Choose a Term and select it from the Payment Term menu below.

Save your Cash for Christmas options


	NO Payments and NO Interest for 3 or 6 Months options below. *

24 Month Term with No Payments and No Interest for 3 Months. 36 Month Term with No Payments and No Interest for 3 or 6 Months. 48 Month Term with No Payments and No Interest for 6 Months. on all purchases from $500 to $6000

	Choose a payment term and select it from the Payment Term menu below.

.... Lease options ....

Business Loan = Ownership

Also known as a Lease to Own.
Claim the total G.S.T content from the purchase and offset a 15% deposit.
Reduce profit tax from your tax bill as your purchase can be depreciated.
Claim the Interest Content as a business expense from the monthly repayments.
At the end of the contract the equipment is yours with no ownership fees.

Business Lease = Ownership

Also know as a Finance Lease.
G.S.T is claimable from each payment.
Reduce profit tax from your tax bill as your purchase can be depreciated.
Claim the Interest Content as a business expense from the monthly repayments.
At the end of the contract the equipment is yours with no ownership fees.

Business Rental = Renting

Also known as a Operating Lease.
G.S.T is claimable from each payment.
Payments are 100% tax deductible.
Will not show as an asset on your balance sheet as payments are treated as an expense.
You will not own the equipment.

Important: The above information is not advice. We recommend you seek direction and advice from your accountant for your specific needs and requirements.
Choose a Lease Type for your purchase and select it from the Lease Type menu below.

Q and A

Interest Rates start from 6.46% per annum.

Your application to approval process takes from 5 to 60 Minutes.*
Yes you can settle early and we will not charge for our interest loss.
Yes you can make Balloon Payments during your term.
No Deposit options are available.*

Initial Criteria : You will need to be over 18 years old and either a New Zealand Citizen or Resident. Proof of your identity will be required by Photo ID.
To be the Proprietor, Director or a controlling Shareholder with your business trading history greater than two years.


	Retailer Name : *


	Price Including G.S.T. $ :


	Quote or Order Type : *

	Quote or Order Number :


	Description of Goods :


	Lease Type : *


	Payment Term : *


	Deposit Amount : *


	Payment Frequency :


	Deposit Specified :


	Goods sold Are :


	(Click “next” button to continue) - ( Step 1 of 4 )


	Trading Type : *


	Number of Employees :


	Year Est :


	Trading Name :


	Company Name :


	Work Phone Number :


	Trading Address :


	Work Fax Number :


	Suburb :


	City :


	Postal Address :


	Company Registration # :


	Company Email Address :


	Property, Land and Building :


	Mortgages :


	Vehicles :


	Vehicle Loans :


	Equipment and Machinery :


	Other Business Loans :


	Investments :


	Business Annual Revenue :


	(Click “next” button to continue) - ( Step 2 of 4 )


	Person with sighing authority for the business


	Given First Name :


	Director Status : *


	Given Middle Name :


	Shareholding % : *


	Surname :


	N.Z. Residency : *


	Date of Birth : DD/MM/YYYY


	Marital Status : *


	Home Address :


	Years at Home Address : *


	Home Suburb :


	Residential Status : *


	Home City :


	Home Valuation :


	E-Mail :


	Home Mortgage :


	Mobile Ph :


	Personal Annual Income :


	ID Verification Select the form of Primary ID you have. We will need two forms of ID for processing.


	Primary Identity Type : *


	ID Number :


	Drivers License Version No : *


	( If supplied - Look for 5b on the card)


	ID Expiry Date : DD/MM/YYYY


	(Click “next” button to continue) - ( Step 3 of 4 )




		YOU CONSENT TO OUR COLLECTING, HOLDING, USING AND DISCLOSING (A) INFORMATION ABOUT YOU THAT YOU GIVE US AND (B) OTHER INFORMATION WE GATHER ABOUT YOU (“PERSONAL INFORMATION”) AS FOLLOWS: So we may: 1a) Verify what you tell us about yourself with third parties such as Government Agencies (including the Ministry of Justice, The NZ Transport Agency and the Insolvency Service) credit reporters and debt collecting agencies. b) Carry out credit checks on you. c) Decide whether to lend you money, administer any loan and enforce payment. d) Comply with our obligations under the Anti-Money Laundering, Countering the Financing of Terrorism Act 2009 and any other legislation. 2) In these processes we may provide your personal information to third parties and the credit reporting agencies and debt collectors may hold that information and may disclose it to other parties who wish to carry out credit checks on you or for other lawful purposes. Please contact us for details of the credit reporting agencies we use. If we are unable to collect this information we may not be able to provide finance to you. You have rights to access the personal information we hold on you and request correction of your personal information in accordance with the Privacy Act 1993. Please contact us to make these requests.


	You declare that the information you give us is true and correct and you consent as shown above.


	Tick Box and click Submit to complete your application.


	Notes


	(Click “previous” button to step back) - ( Step 4 of 4 ) - Correct any errors in highlighted red fields and click Submit.




	* Normal Credit Capable credit criteria will apply ** Available until the 31/12/2018, Retailer terms and conditions apply. \| Credit Capable Limited. All Rights Reserved \| Terms \| Feedback \| Privacy Policy

How it Works - (Step by step information)


	Purchase in store at retail shop
	Apply from a work or home computer. On approval the documents will be sent to Photo & Video Int and you. A sales person in store will help you to complete the paperwork and will take any required deposit. Providing your equipment is in stock you will be able to take your purchase.**
	Purchase to be couriered
	Apply online and on approval the documents will be emailed to you. Email or Fax your completed paperwork to contracts@creditcapable.co.nz or Fax to 0800 329 555 or 09 410 6786. An Email will be sent confirming paperwork completion. Any required deposit is payable to Photo & Video Int. Payment Notification will be sent on your purchase dispatch date after we have received the Invoice. On the purchase dispatch date Photo & Video Int will courier your order.**
	How long will it take The speed of your application can vary depending on the requirements of your purchase and information provided on your application form. We generally take 5 to 30 minutes from application to send a processing notification or a contract for your purchase via email.*


	Your Approval and Contract Email *

	A Step by Step guide is provided in the How it Works link at the bottom of your contract email. Read and follow the instruction in the Paperwork Guide supplied as the first page of your contract attachment. Completed paperwork to be Emailed to contracts@creditcapable.co.nz for processing. (You can use your smart phone to take photo’s of your completed paperwork, if you have a good camera in your phone.)
	Note : If our Email Server returns your email check that your email attachments do not exceed 20MB in total.


	Setting up your repayments Your repayments are not due to be set-up until you have received your welcome letter. The welcome letter generally takes 5 to 10 working days to arrive via post from when we send payment notification to the Photo Warehouse for your purchase. It will be sent to the address supplied on your application.


	Make an Inquiry


	If you need help or have a question about your application, insert your details and click Submit.


	First and Surname :


	Email Address :


	Your Inquiry :


	Contact Ph Number :

Current promotion options (on purchases up to $6000)

No Payments and No Interest for 3 Months
with 24 or 36 Months to pay **
Select your Promotion option via the Payment Term menu below.