Rating based on 9 reviews

Fico Finance


  • Low-interest starting from 10.95%
  • Business loans up to $800,000
  • Repayment up to 3 years

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Fico Finance homepage

Author Fico Finance. Screenshot of Fico Finance website. [Accessed May 23, 2018]

About Fico Finance

Do you need a fast and stress-free business loan? Then Fico Finance is your answer.

They are a reliable credit provider that offers flexible, personal, and small business loan solutions across New Zealand. Whether you're looking to grow your business, hire more staff, or purchase new equipment Fico Finance can assist you. 

Breaking down the barriers

They can offer you a business loan that breaks down all the barriers to reaching your business goals. With affordable rates and their incredible financial solutions, they can help you raise profits and achieve your dreams.

An investment for your future

A business loan is one of the most important investments that you can use to ensure the future of your business. Getting access to enough funds at the right time can mean survival for some businesses and growth and development for others.

Apply for a same-day business loan and open doors to a successful financial future.

You can manage your account from anywhere

Business loans, accounts, and transactions can be managed online anywhere, anytime on a smart device. You don’t need to go to the bank and fill in endless paperwork that takes up your time. Enjoy having more time to spend on the more important things in life, you deserve it.

What Fico Finance can offer you

Fico Finance can offer you a perfectly designed business loan in NZ tailored to your budget and requirements.

Their business is run by a brilliant team of experts who understand the financial challenges you face in the business world. Personalised service is put into each business loan they deal with and they will always make time for you.

Secured Business loans with great interest rates

Fico Finance offers flexible business loans that are typically secured against vehicle or property assets. You can borrow up to $1,500,000 over a maximum repayment term of 36 months. Their loan interest rates range from 9.95% to 19.95% per year. 

Since they are not a bank it's easy to qualify and you will get your money rapidly.

The loan calculator will help you gain control

You can calculate your business loan details to determine the repayment and interest options that will suit your financial needs the best. All you have to do is input the amount you want to apply for and adjust the sliders the way you prefer.

It is a hassle-free tool to help you budget and to know exactly what is going on in your finances. So, go ahead and try it out!

Fico Finance Product Details

  • Loan Type Business loans
  • Interest Rate 10.95 – 19.95% p/a
  • Loan Amount up to $800,000
  • Repayment 6 months to 3 years
  • Decision 24 hours

Fico Finance can move your business forward

Fico Finance strives to make its service and application process as easy and convenient as possible.

You can also make use of their hassle-free online loan application to apply for a business loan. Or if you are someone that prefers a more personal approach, you can go and consult with them at one of their nationwide branches. 

Criteria for application 

  • You need to be a registered business, operating for more than a year.
  • Over the age of 18 years old.
  • Banking details to where the loan will be deposited if approved.

Follow these easy steps for an online application:

  1. Get instant cash for your business with ease by working out the amount with the help of the loan repayment calculator.
  2. Click the Apply button to start your application.
  3. Choose how much you would like to borrow, and for how long.
  4. Fill out the quick application form and provide them with your details and documentation.
  5. They will then check what they can offer you by using the details you provided.
  6. If approved, the money will be in your account a little later on the same day.

Business loans made easy with modern technology

Using modern technology to apply for a small business loan is at your fingertips. Get in touch today and get the perfect options. Let Fico Finance assist you.

Sometimes you need assistance to grow in the business world.

Benefits Fico Finance has to offer when you apply for a Business loan 

  • Flexible interest rates and repayment terms.
  • Quick online application.
  • Transactions can be managed remotely.
  • Extraordinary customer service from their polite staff.
  • Reliable and safe loans are offered to you.

Customer Reviews & Testimonials

January 2020

I have been a client of this lender since 2016 and I have only ever had a pleasant experience. The application and reapplication process never takes up too much of my valuable time and I can alwa...

Luke H
— Auckland —

February 2020

When I initially took out my business loan from this organisation I thought I would be able to make all my repayments within the initial time frame agreed upon, but as Murphy’s Law would have it,...

Jason P
— Christchurch —

October 2020

When I applied for my loan took a few minutes and I was done and got approved a few hours’ later great service.

John M
— Gisborne —

August 2021

When I applied for my business loan it only took a few minutes and I was done. The approval only took a few hours after great service.

Taylor L
— Wanaka —

September 2021

When I applied for a business loan to Fico, the process was straightforward. I would highly recommend them to anyone in need of a loan.

Wright S
— Queenstown —

March 2022

It was a wonderful experience dealing with the team at future finance, great staff and easy experience with them. They made the whole process of applying for the loan pleasant and easy.

Gardiner K
— Auckland —

Fico Finance Contact Details

Contact Number



Physical Address

Postal Address

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

Opening Hours

  • not available