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Instant Finance interest rates for loans range from 19.95% to 29.95% per annum. Loans are required to be repaid by equal instalments of principal and interest over terms of between three months and three years. Establishment fees vary based on the new loan amount.
Full details of all fees are available here https://instantfinance.co.nz/rates-and-fees/
Example: A $10,000 loan repayable over 3 years by 156 weekly instalments at an interest rate of 29.95%:
An establishment fee of $420 and administration fee of $2 per instalment ($312).
Total interest would be $5,402 making the total payable $16,134.
The Max APR inclusive of fees is 34.75%pa.