Fico Finance

About Fico Finance

We’re an alternative credit provider that offers flexible personal and business credit solutions across the country.

While most of our lending transactions happen online we welcome new and existing customer to come and see us in one of our nationwide branches should they prefer a more hands-on approach to finance.

Breaking Down the Barriers

Whether you're looking to grow your business, employ more staff, purchase new equipment or extend your fleet Fico Finance can offer you a business loan that breaks down all the barriers to your business goals. With affordable rates and low fees our financial solutions can have you raking in the profits and achieving your dreams!

What Fico Finance can offer you

At Fico Finance we offer flexible business loans that are typically secured against vehicle or property assets.

We offer loans from $5,000 to $800,000 and loan terms of up to a maximum of 36 months. Our loans range from 10.95% to 19.95% per annum and since we're not a bank it's easy to qualify and you get you money fast!

Paying Attention to the Details

At Fico Finance we pay attention to detail - which ensures we always offer customers loan solutions that actually meet their needs and fit into their budget. Whether it's the way we process applications or the fast loan offers we make we will always pay attention where it's due and that makes us more adaptable and more accurate.

In a Nutshell

  •  Loan minimum NZ$5,000
  •  Loan maximum NZ$800,000
  •  Interest rate From 10.95% to 19.95% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 36 months
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option

How Fico Finance can Move your Business Forward

Our business is run by business people that, like you understand the challenges and issues that face small and medium sized businesses in the country.

We strive to offer a personalized business loan service to each business we deal with and will always make time for you. We're not a bank and will never behave like one!

A Quick Decision and 24 Hours to get your Loan

With Fico Finance you don’t have to spend hour applying for a loan or wait days to find our if youll be approved. With us you can apply online, download our loan application form and email or fax it to us and even come see us at our offices. Whichever way you choose to apply it will take a fraction of the time and you'll get your loan in just 24 hours.

Eligibility & Requirements

Other Products & Services

  • Personal Loans
  • Business Loans

Contact Details

 Visit Website


 Physical Address

  • 173 Hardy St, Nelson, Canterbury, 7010, New Zealand

 Postal Address

  • Fico Finance Ltd, PO Box 122, Nelson, 7040, New Zealand