Finance Information


Performance Plus Finance Limited (FSP1006025)


Performance Plus Finance Limited (FSP1006025) holds a licence issued by the Financial Markets Authority to provide financial advice.

Performance Plus Finance Limited (FSP1006025)


16 Heremai Street,
AKL 0612


Performance Plus Finance Limited (FSP1006025) provides advice to our clients about their personal loans and vehicle loans. Our financial advisers provide financial advice in relation to personal loans and vehicle loans.

We only provide financial advice about products from certain providers:

  • For personal loans and vehicle loans:
  • Oxford Now
  • Finance Now


PTo ensure that our financial advisers prioritise the client’s interests above their own, we follow an internationally recognised professional advice process to ensure our recommendations are made on the basis of the client’s goals and circumstances.


Performance Plus Finance Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice.

We are required to:

  • Give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
  • Exercise care, diligence, and skill in providing you with advice
  • Meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
  • Meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at



Performance Plus Finance Limited may charge a fee for implementing the advice provided to a client depending on the size and complexity of the loan. Whether a fee will be charged will be advised and agreed before the work is performed. If such a fee is charged, it will be paid as part of the loan repayment plan.

Clawback Charges: In the event the loan is paid off early or defaulted on, or the risk policy is cancelled the FAP could be charged a fee by the lender or insurer. This is based on the length of the expected arrangement. In some cases we may pursue you to recover those costs. We will charge this based on the amount of commission received and the claw back charge.


Motor Vehicle or Personal Lending: As we get to know you and what is important, we will provide more specific information in relation to any remuneration we receive as a result of any advice we provide. In line with the spirit of professional disclosure below are some guidelines. We may receive a commission from the lender when a loan is completed. The commission amount is a percentage of the loan amount and will vary depending on the lender.


Financial Advisers are all Directors of the FAP and will be compensated with salary and/or dividends.


We take any perceived or real conflicts of interest very seriously and have a dedicated policy for dealing with such issues whereby we avoid, disclose and/or manage any conflicts so that our client’s interests are placed first and foremost.

For motor vehicle insurance and personal or motor vehicle loans, Performance Plus Finance Limited receives commissions from the insurance companies and lenders on whose policies and loans we give advice.

All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance adviser.

From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.


You can also write to us at:
16 Heremai Street
Henderson, AKL

When we receive a complaint, we will consider it following our internal complaints process:

We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.

We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.

We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.

If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact

Financial Dispute Resolution Service (FDRS) provides a free, independent dispute resolution service that may help investigate or resolve your complaint, if we haven’t been able to resolve your complaint to your satisfaction. You can contact FDRS by emailing, or by calling: 0800774422. You can also write to them at: By post to:

PO Box 841
Christchurch 8140.


To give our clients the very best advice we need to collect personal information about their financial circumstances. In the digital age that we live in, we take our responsibilities under the Privacy Act 2020 very seriously. Some key points:

  • We only collect information relevant to the nature and scope of the advice we are providing.
    1. The accuracy of this information to our advice is critical, this is where we need your help
  • Once collected we will protect any client information
  • You can request any personal information or ask for it to be amended at any time
    1. We will only share information where it is necessary to do so in providing the agreed services provided. If this is not part of our normal business we would only consider this with your express consent to do so. However, there are some third parties you may not be aware of that we may need to share your information with such as:
    2. Financial Markets Authority (FMA) – the Regulator of financial services in New Zealand
    3. External compliance agencies we may engage for quality assurance purposes.
    4. We have policies and procedures for dealing with any data breaches ASAP.
  • Any information no longer needed will be destroyed securely.

Finance Now Related Information

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