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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 three years by 156 weekly instalments of $103.12 at an interest rate of 29.95%. An establishment fee of $390 and administration fee of $2 per instalment ($312).
Total interest would be $5,348.72 making the total payable $16,086.72.
The APR inclusive of fees is 34.52%pa.