Transparent fees & affordable repayments
Our charges are simple
Everything you need to pay is listed right here on this page and in Line of Credit Loan Agreement. No hidden fees, no catches and no surprises. Many lenders charge large upfront Origination Fees and monthly flat fees. With Wallet Wizard you just pay interest on the unpaid balance. Our simple approach makes our loans easier and cheaper.
Here is what you can expect to pay when you take out a Wallet Wizard Line of Credit
Wallet Wizard Line of Credit Fees - $500 to $5000
| Annual fee: | $0 |
| Service fee: | $0 |
| Credit Limit Increase fee: | $0 |
| Over Limit Fee: | $0 |
| Manual payment fee: | $0 |
What will my repayment be?
Your repayment is based on the amount borrowed. Once you’re approved you will be able to review your offer and your weekly, bi-weekly or monthly repayment.
If the outstanding balance of your account is less than the minimum repayment amount, your minimum repayment will be the outstanding balance. Simple.
Use the calculator above to see the regular repayment for the Credit Limit options.
Non-Sufficient Funds Fees
In states where permitted, Wallet Wizard charges a fee when a payment made by check or electronic ACH debit is returned due to insufficient funds. These are commonly referred to as “Non-Sufficient Funds” or “NSF” fees. The amount of the NSF fee is $10 per payment returned.
What is your interest rate?
The Annual Percentage Rate (APR) is 35.99%.
Important Borrower Information
Here is some important information for anyone considering taking out a loan.
When entering a credit contract you are agreeing to the financial schedule, terms and conditions, privacy disclosures and often an agreement to debit funds from your bank account. You should ensure you have read and fully understand the information in that contract before accepting or signing.
If you are unsure about whether you require a loan today or you would like further general information, you can access some on the NZ Government’s website www.sorted.org.nz
Wallet Wizard adheres to The Responsible Lending Code and encourages its customers to be familiar with The Code of Responsible Borrowing. You can find a copy of these codes at www.familybudgeting.org.nz
Wallet Wizard refers to these resources as a part of our commitment to socially responsible lending. Wallet Wizard does not claim or imply any relationship or endorsement by the NZ Government in providing the links to these resources.
Important Borrower Information
Here is some important information for anyone considering taking out a loan.
When entering a credit contract you are agreeing to the financial schedule, terms and conditions, privacy disclosures and often an agreement to debit funds from your bank account. You should ensure you have read and fully understand the information in that contract before accepting or signing.
If you are unsure about whether you require a loan today or you would like further general information, you can access some on the NZ Government’s website www.sorted.org.nz
Wallet Wizard adheres to The Responsible Lending Code and encourages its customers to be familiar with The Code of Responsible Borrowing. You can find a copy of these codes at www.familybudgeting.org.nz
Wallet Wizard refers to these resources as a part of our commitment to socially responsible lending. Wallet Wizard does not claim or imply any relationship or endorsement by the NZ Government in providing the links to these resources.