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

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 your 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.

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

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 an hour applying for a loan or wait days to find out if you'll 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.

Giving you the loan that you need

Yes, we are with you every step of the way if you would like help with your application. All you have to do is contact the toll-free number at the bottom of the page and we will help you get back on track with your app. Perhaps you would like advice on how to upload your documents then phone us and we will get you through it. You can also come to our branch and do your application at the offices.

What you will need when you apply

You will need to have a business registration and you will need to be over the age of 18 years old for you to apply. Your business must be able to show that it has been running successfully for over a year. You will need to give us your registered bank details to where you would like the loan to be deposited if you are approved. Please, when applying for your loan please make sure that the amount you are applying for you will be able to pay off with ease.

We will contact you

Yes, you read right as soon as your application has been submitted. You have attached all your documents bank details and payslips. When you have been approved for your loan then we will contact you. Apply today and feel less stress tomorrow.

Customer Reviews & Testimonials

January 2019

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 2019

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 2018

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 —

Fico Finance Contact Details

Contact Number



Physical Address

Postal Address

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

Opening Hours

  • not available