If your loan goes the full term and you do not use your Payment Protect service we do not refund the payment protect fee.

The Payment Protect fee is paid upfront and in full for the full term of your loan. Should you repay your loan early, you will be rebated a proportion of the Payment Protect fee for the remainder of the Loan term.

Learn more about how we calculate the rebate of Payment Protect fee on early repayments.

Please note Payment Protect is only available in New Zealand