Financial Service Provider Registration

Oracle Finance Limited operates in accordance with applicable New Zealand financial services legislation.

We are registered on the Financial Service Providers Register (FSPR) in accordance with the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

Registration details

• Company Name: Oracle Finance Limited
• Company Number: 8426143
• New Zealand Business Number (NZBN): 9429050713639
• Financial Service Provider Number (FSP): FSP1003865

Registration on the Financial Service Providers Register means that Oracle Finance Limited is listed as a provider of financial services in New Zealand. Registration does not necessarily mean that we are licensed or actively supervised by the Financial Markets Authority unless specifically stated.

You can verify our registration on the official Financial Service Providers Register website.

Our Role as a Finance Introducer

Oracle Finance Limited acts as a vehicle finance introducer or intermediary.
This means we:

• Assist customers with finance applications
• Introduce customers to approved finance providers
• Provide information about available finance options

Oracle Finance Limited does not provide the credit directly unless specifically stated.
Finance contracts are issued and administered by approved lenders such as:

• Finance Now
• Avanti Finance

The lender is responsible for:

• Loan approval decisions
• Interest rates and applicable fees
• Credit assessments
• Issuing disclosure statements
• Managing loan contracts and repayments

Responsible Lending

Oracle Finance Limited supports responsible lending practices in accordance with the Credit Contracts and Consumer Finance Act 2003.
We aim to ensure customers:

• Receive clear and accurate information about finance options
• Understand the key terms and obligations of any finance agreement
• Are able to make informed financial decisions

Final lending decisions and responsible lending assessments are carried out by the finance provider.

Loan Disclosure Information

Before entering into any credit contract, the lender will provide you with a Disclosure Statement which includes:

• Interest rates and how they are calculated
• All applicable fees and charges
• Total amount payable over the loan term
• Repayment schedule and loan term
• Default interest and fees
• Cancellation rights
• Details of the lender’s dispute resolution scheme

These disclosures are provided in accordance with the Credit Contracts and Consumer Finance Act 2003.
You should read all documentation carefully before signing any loan agreement.

Fees, Interest Rates and Loan Terms

Interest rates, fees, and loan terms vary depending on the finance provider and the borrower’s credit profile.
You can view lender documentation here:

Finance Now

Motor Vehicle Dealer Rates and Fees

Avanti Finance

Customer Documents / Rates and Fees

Full loan terms will be provided by the lender before you enter into a credit agreement.

Commission Disclosure

Oracle Finance Limited may receive a commission or referral fee from finance providers when a loan is successfully arranged.
The commission may vary depending on:

• The lender
• The loan amount
• The loan term

This commission is paid by the lender and does not necessarily affect the interest rate offered to the customer.
Further information about commissions is available upon request.

Complaints & Dispute Resolution

Oracle Finance Limited is committed to resolving complaints quickly and fairly.

Step 1 – Contact Us

If you have a complaint regarding our services, please contact us first so we can attempt to resolve the issue.

Oracle Finance Limited

Email: info@oraclefinance.co.nz
Phone: 0800 467 2253

Address
725 Great South Road
Penrose
Auckland 1061
New Zealand

We aim to acknowledge your complaint promptly and work with you to reach a fair resolution.

Step 2 – External Dispute Resolution

If your complaint cannot be resolved through our internal process, you may contact our independent dispute resolution provider.
Oracle Finance Limited is a member of the:

Financial Dispute Resolution Service (FDRS)

FDRS is an independent and impartial dispute resolution scheme approved by the New Zealand Government. Their service is free for consumers.

Contact details

Phone: 0508 337 337
Email: enquiries@fdrs.org.nz
Address: PO Box 2272, Wellington 6140, New Zealand
Website: www.fdrs.org.nz

Before contacting FDRS, you must first give Oracle Finance Limited the opportunity to resolve your complaint.

Privacy and Personal Information

Oracle Finance Limited collects and uses personal information in accordance with the Privacy Act 2020.
Personal information may be collected to:

• Process finance applications
• Conduct credit checks
• Communicate with lenders and service providers

Your information may be shared with finance providers, credit reporting agencies, and other organisations involved in processing your finance application.
Please refer to our Privacy Policy for full details.

Important Notice

Finance is subject to:

• Lender approval
• Credit and affordability assessments
• The lender’s lending criteria

Terms, conditions, fees, and interest rates apply.

You should carefully consider whether any finance arrangement is suitable for your financial situation before entering into a credit contract.