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 Code of Responsible Borrowing

Please download and read  Code of Responsible Borrowing

To view our standard loan agreements for Business and Personal lending click on the following attachments

Gold Band Finance Commercial loan agreement    GBF Commercial Docs2.pdf

Personal loan agreement for

Gold Band Finance        GBF Loan Docs1.pdf

Loanco         LNCO Loan Docs1.pdf


Commercial lending
We can tailor loans and finance facilities to meet your individual needs with a range of flexible security and repayment options. Typically our interest rates range from 13.00% to 21.95%

Personal lending
We provide finance for motor vehicles, houses, farm equipment, pleasure craft, trucks etc. Typically our rates range from 8.95% to 21.95%

Establishment Fees

Our establishment fees for Personal lending vary based on the size of the loan. This reflects the additional analysis and consideration by more senior staff.

Our establishment fees currently are:

To        $2,499                        $295

To        $2,500 - $9,999          $415

To        $10,000 - $19,999      $695

Above  $20,000                      $1,495

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