FINANCE

for personal and business purchases

FINANCE

for personal and business purchases

FINANCE

for personal and business purchases

Select the INDIVIDUAL or BUSINESS tab.

Use the Payment Calculator and scroll down to apply.

Select the How it Works tab for step by step information.

Slide price and term for payments.

Type in for purchases over $15,000.

Purchase Price

Monthly Term

Weekly

Fortnightly

Monthly

Payments are a guide only and include a monthly administration fee of $4.95 and our $95 booking fee.  Interest rates for the above Terms range from 13.10% to 26.95% per annum.  List of Fees.

  • for 2 Months on a 6 Month term.
  • for 3 Months on a 12 Month term.
  • for 4 Months on 18, 24 or 30 Month terms.
  • for 6 Months on 36 or 42 Month terms.
  • for 9 Months on a 48 Month term.

 

Select from the Application Form below.

Available until the 23/06/2024.

  • No Payments and No Interest for 3 Months on 24 or 36 Month terms.

  • No Payments and No Interest for 6 Months on a 36 Month term.

 

Select from the Application Form below.

  Gilrose Finance Company Limited
Individual Application

Gilrose Finance Company Limited
Individual Application

 Gilrose Finance Company Limited
Individual Application

Gilrose Finance Company Limited
Individual Application

Questions with a * are required for processing.

 

Slide price and term for payments.

Type in for purchases over $15,000.

Purchase Price

Monthly Term

Weekly

Fortnightly

Monthly

Payments are a guide and includes our Booking fee.

  • for 2 Months on a 6 Month term.
  • for 3 Months on a 12 Month term.
  • for 4 Months on 18, 24 or 30 Month terms.
  • for 6 Months on 36 or 42 Month terms.
  • for 9 Months on a 48 Month term.

    Select from the Application Form below.
    Available until the 23/06/2024.
  • No Payments and No Interest for 3 Months on 24 or 36 Month terms.

  • No Payments and No Interest for 6 Months on a 36 Month term.

 

Select from the Application Form below.

Choose a Lease for your business

Select it from the Business Application form.

Business Loan = Ownership

  • Also known as a Lease to Own.
  • At the end the equipment is yours with no ownership fees.
  • 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 as a business expense from the monthly repayments.

Business Lease = Ownership

  • Also known as a Finance Lease.
  • G.S.T is claimable from each payment.
  • At the end the equipment is yours with no ownership fees.
  • 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.

Business Rental = Renting

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

The information above is not advice.  We recommend you speak to your accountant if you require direction. 

  Gilrose Finance Company Limited
Business Application

  Gilrose Finance Company Limited
Business Application

  Gilrose Finance Company Limited
Business Application

Gilrose Finance Company Limited
Business Application

Questions with a * are required for processing.

 

Processing How it Works

Answers to your Common Questions.

Purchase in store at retail shop

Apply online and upon approval the documents will be emailed to you and the store.  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.  Dealer conditions will apply.

Purchase to be couriered

Apply online and upon approval the documents will be emailed to you and the store.  Email your completed paperwork to Credit Capable.  An Email will be sent confirming paperwork completion.  Any required deposit is payable to the branch.  Payment Notification will be sent on your purchase dispatch date after we have received your Invoice.  On the purchase dispatch date the branch will courier your order.  Dealer conditions will apply.

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.  Gilrose Finance processing time can vary from 15 to 45 Minutes.

Setting up your repayments

Your repayments are not due to be set-up until you have received your welcome letter from Gilrose Finance.  The welcome letter will be sent to the email address supplied on your application.  If you have not received your welcome letter within 5 working days from collecting your purchase, call 0800 74 11 11 and dial 2 for accounts.

Q+A

  • No Deposit is available and selectable from your application.  Responsible Lending Criteria will apply.
  • Yes you can make balloon payments and settle your account during your payment term and you will not be charged for the interest of the remaining term.

Effective Interest Rates

Payment Term

6 Months

12 Months

18 Months

24 Months

30 Months

36 Months

42 Months

48 Months *

0% Interest Term

2 Months

3 Months

4 Months

4 Months

4 Months

6 Months

6 Months

9 Months

Effective Rates

from 13.10%

from 15.70%

from 16.57%

from 18.78%

from 20.19%

from 18.45%

from 19.43%

from 17.18%

Above (from) rates are per annum and based from our standard rate of 26.95%.
* Has a minimum purchase limit of $2000.

Choose the Payment Term from Step 1 in the application form.

Level 1, Building 2, 106 Bush Road
Rosedale, Auckland, New Zealand

MON - SUN      9:00AM - 5:00PM
Phone    0800  74  11  11
ABOUT US
We offer Fast and Friendly finance as an introducer through a network of nationwide retailers.  Credit Capable Limited is an agent for a Finance Company who is the creditor.
Holiday Processing Hours
14 – 20 Dec 9am – 10pm
21 – 23 Dec 9am – 9pm
24 Dec 10am – 6pm
25 Dec CLOSED
26 – 30 Dec 9am – 6pm
31 Dec 10am – 6pm
1 Jan 10am – 6pm
2 Jan 9am – 6pm
3 Jan normal hours resume