Individual Finance | Credit Capable

YOUR
PAYMENTS
HOW IT WORKS
and RATES

Insert your price for payment options.

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 18.53% to 26.95% per annum. List of Fees. Alternative options may be available from our retailers.

0% Interest
options
Deferred Start
options

for 1 Month on a 6 Month term.
for 2 Months on a 12 Month term.
for 3 Months on a 18 Month term.
for 4 Months on a 24 Month term.
for 6 Months on a 36 Month term.

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.
Available until the 31/12/2023

Answers to common questions

No Deposit options are available.
Processing time from 15 to 45 Minutes.
Responsible Lending Criteria will apply.
Yes you Can settle your account during your payment term and you will not be charged for the interest of the remaining term.
30 Month Payment Term shown in the calculator is not available.
Rates range from 18.53% to 26.95% per annum.

Purchase in store at retail shop

Apply online and upon approval the documents will be emailed to you and the store for your purchase. 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.

Email your completed paperwork to: contracts@creditcapable.co.nz

An Email will be sent confirming paperwork completion. Any required deposit is payable to your retailer. Payment Notification will be sent on your purchase dispatch date after we have received your retailers Invoice. On the purchase dispatch date your retailer 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.

The Approval and Contract Email

Read and follow the instruction in the Paperwork Guide supplied as the first page of your contract attachment. (You can use your smart phone to take photo’s of your completed paperwork, if you have a good camera in your phone.)

A Step by Step guide is also provided in the How it Works link at the bottom of your contract email.

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 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.

Gilrose Finance Company
Individual Application

Gilrose Finance Company Limited
Individual Application

Questions with a * are required for processing.

GETTING STARTED

Identification Requirements

You will need two forms of valid ID being a Photographic ID and a Secondary ID. For a list of ID's that can be used select the orange question mark.

Initial Criteria

You will generally need to be either a New Zealand Citizen or a New Zealand Resident.
You will need to be over 18 years old.

I am Happy to Proceed
To my current knowledge I understand that I have the above basics to start my application.

Start your application here. | Keyboard Recommended.

YOUR PURCHASE

Retailer Name : *Your Order to be Picked Up or Delivered :Your Order Description : *

Price Inc G.S.T. : *

Buffer Price by :

Deposit Amount : *

Specified Deposit :

Payment Frequency : *Payment Term : *

Sales Process (Type) :

Sales Process Notes :

GENERAL INFORMATION

Salutation :

Given First Name : *

Given Middle Name : * ( If none, insert N/A )Surname : *

Date of Birth : *

Citizenship : *

Home Address : *Home Suburb : *

Home City : *

Years at Address : *

Marital Status : *

Dependants : *

Children in your care.

Step 1 of 4

PREVIOUS ADDRESS

Previous Address : Previous Suburb :Previous City :Years at Previous Address :

CONTACT EMAIL AND PHONE

E-Mail : *Mobile Ph : *Home Ph :Work Ph :

A PERSONAL CONTACT FOR YOU

Family Member, Friend or Work Colleague, NOT living with you.

Name (First and Last) : *

Phone : *

This person will NOT be called for your application process and may only be used for an update of your contact details. May only be used as a last resort way to contact you.

Step 2 of 4 - Step back to answer any required red questions.

FINANCIAL INFORMATION

Employment Status : *Occupation : *Employers Name : *Time at Current Job : *

Time at Previous Job :Previous Occupation :Previous Employers Name :

Previous Occupation details required if at Job less than two years.

Click HERE for Q+A

Residential Status : *Have Income Protection :Include Repayment Waiver :

Annual Income : *Partners Annual Income :Home or Land Value : Mortgage Balance :

WEEKLY COST OF LIVING

If you do not incur a cost for a listed expense, insert 0.

Food & Groceries : *Clothing & Shoes : *Household Utilities : *Contents Services : *Goods & Service : *

Health : *Transport : *Communication : *Recreation : *Education : *

Click HERE for Q+A

Other Debit Payments : *Change to Income : *

Credit Cards Total : *Credit Card Limits : *

"Change to Income" - Clarify below :

The information requested is used for the affordability assessment for responsible lending. You may be required to provide payslips and/or tax returns and will be requested additional information by way of bank statements to verify your supplied details.

Step 3 of 4 - Step back to answer any required red questions.

ID VERIFICATION
Select the ID's you have, as proof of your identity will be required.

Photo ID Type : *

Photo ID Number : *

Photo ID Expiry Date : *

Drivers License Version Number :

Three digit number next to Version or 5B.

Secondary Identity Type : *ID Verification process : *

Electronic ID Verification can be used with your valid NZ Drivers Licence or NZ Passport for a $15 fee.

SUBMIT YOUR APPLICATION

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 FROM THIRD PARTIES (“PERSONAL INFORMATION”) AS FOLLOWS:

So we may: 1a) Verify what you tell us about yourself with third parties such as government agencies (including the NZ Transport Agency and the Insolvency Service) and for the purposes of prevention and detection of fraud. b) Carry out credit checks on you and a fines check with the Ministry of Justice and check third party fraud databases. c) Decide whether to lend you money, administer any loan and enforce payment (including referring a debt to debt collection agencies and credit reporters), comply with our obligations under the Anti-Money Laundering and Countering the Financing of Terrorism Act 2009 and any other legislation. 2) In these processes we may provide your personal information to third parties, credit reporting agencies, third party fraud databases and debt collectors. Credit reporters may hold that information for credit reporting purposes and may disclose it to other parties carrying out credit checks on you or for other lawful purposes. Third party fraud databases may hold that information and use and disclose the information to other parties for fraud prevention and detection purposes. Please contact us for details of the credit reporting agencies and third party fraud databases 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 2020. Please contact us to make these requests.

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

Notes for your application :

Step 4 of 4 - Step back to answer any required red questions.