Rates, fees & contract terms

The following information is provided to assist you with making your decision to take a loan with Finance Central powered by Thorn Finance.

Interest Rates Last updated 14th September 2021
Annual Interest Rate 9.95% - 29.95% p.a. variable
determined by credit risk
Credit Fees
Establishment Fee $80
Account Fee
Only one Account Fee is charged per account based on selected repayment.
Weekly account fee $0.75
Charged to your account each week
Fortnightly account fee $1.50
Charged to your account each fortnight
Monthly account fee $3.25
Charged to your account each month
PPSR Fee included in establishment fee
Refinance Fee $30
Payable if we re-finance your loan contract
Default Fees & Charges
Late Payment Fee
Only one Late Fee is charged per account based on selected repayment.
Weekly $7.50
Charged to your account each time you are more than 2 days late in paying an amount that is due
Fortnightly $15
Charged to your account each time you are more than 2 days late in paying an amount that is due
Monthly $33
Charged to your account each time you are more than 2 days late in paying an amount that is due
Payment Plan Late Fee $3.50
charged to your account each time you are more than 2 days late in paying an amount that is due
Door Knock Fee
Other Repossession Fees: locksmith, storage, disposal costs, repossession agents
Costs will be charged at the cost levelled on Thorn Finance
$35
Charged to your account each time we are required to visit you to discuss an event of default
Penalty Interest 5% p.a. above prevailing rate
calculated on the amount that is overdue
Vehicle Fees
Immobiliser Device* and Install Cost $345
to be paid up front or capitalised over the contract term
Immobiliser Account Fee
Only one Immobiliser Account Fee is charged per account based on selected repayment.
Weekly Immobiliser Account Fee $3.25
Charged to your account each week
Fortnightly Immobiliser Account Fee $6.50
Charged to your account each fortnight
Monthly Immobiliser Account Fee $13
Charged to your account each month

* Immobilisers only apply to certain credit profiles.
  All interest rates and fees are subject to change

To view a copy of our Loan Agreement and Disclosure Statement please click here.


Thorn Finance terms and conditions: Responsible lending criteria, mandatory fees, interest, terms and conditions apply. Interest rate 9.95% p.a. – 29.95% p.a. variable, determined by credit risk. Mandatory fees: Monthly account fee of $3.25 a month (other payment frequencies available), establishment fee of $80 to be paid up front or capitalised over the contract term. Rates and fees may change. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and vehicle insurance may also be required. Thorn Group Financial Services Limited (trading as Thorn Finance).

Loan information

Amount to borrow
Term of loan
Interest rate

Repayment calculation

Amount to borrow
Establishment fee
$80.00
Total to finance

Repayment frequency

Indicative repayments

Total repayments ()
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