FAQs

Application Process

With our 100% online application applying for easi-own or easi-cash has never been easier. All you need to complete an application is:

- A valid NZ Drivers Licence or NZ Passport

- Online banking access

- A valid email address

- A valid mobile phone number

If you do not have any of the above, simply go into your local dtr store and they’ll help you through the application in person.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

For easi-own, easi-cash and easi-pay, your application helps us assess your affordability, to work out what your total credit limit will be. At dtr we will not let you get in over your head.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

Our interest rates range from 9.95% pa to 29.95% pa variable, determined by credit risk.

Click here for fees and interest rates.

Credit assessment and responsible lending criteria and inquiries will apply to all applications

Not at this time.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

Once submitting your application, we will be in contact as soon as possible or within 2 business days

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

No you don’t need to wait. Affordability will be calculated in the same way it was with your first application.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

If the goods are in stock, we will be in touch to arrange a delivery time by our friendly staff. Some items may need to be ordered in. If this happens our team will contact you as soon as it arrives in store.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

Yes, you can and good on you!

If you’dd like to pay off your easi-own, easi-cash or easi-pay contract early, just contact your local dtr store. You can pay off as much as you like, whenever you like. There is no early repayment fee.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

Of course, we can review your credit limit at your request.

Credit assessment and responsible lending criteria and inquiries will apply to all applications.

General

easi-own:  With easi-own you can purchase goods for your home on affordable repayments over a term of up to 60 months. For more information or to apply, click here.

easi-pay: With easi-pay you can purchase goods for your home and pay them off on 12 equal weekly repayments. For more information or to apply, click here.

easi-cash: For personal loans from $500 to $25,000. For more information or to apply, click here.

Please contact your local dtr team or phone 0800 734 735 as soon as you have any issues with items you have purchased. If the items are faulty, we will work with you to get them repaired / replaced.

The price of Service Plus is shown in your contract note or on your easi-own quote, the price does vary dependent on the product your have purchased.

Security is a financial asset that you own that has monetary value and can be traded. This can be a car or household chattels.

PPSR is the Personal Properties Security Register. When you have a loan using personal items as security or if you purchase on easi-own these items get listed on a government site called the Personal Properties Securities Register.

The information registered will also include a description of the property or gear you have used to secure your loan or purchased by easi-own.

DLW is a product that waives all your uncharged payments on a secured loan or easi-own purchase if your gear that you used as security or purchased is destroyed, damaged or lost through fire, flood, theft or burglary.

It does not cover intentional or accidental damage.

The price of DLW will be shown on your contract note, it varies depending on the item purchased/secured.

To make a claim on DLW please contact your local dtr branch or phone 0800 734 735.

If you are moving house, please contact your local dtr branch on 0800 734 735, so your details can be updated.

Interest rates, fees, hardship

With easi-own & easi-cash our interest rates start at 9.95% p.a. through to 29.95% p.a. variable, depending on your credit circumstances.

easi-pay is interest free for 12 weeks, providing you meet your payment obligations during that time.

Click here for fees and interest rates.

If you know you are going to miss a payment, contact your store or phone 0800 734 735 as soon as you can. Our friendly staff can help arrange a solution.

The worst thing you can do is ignore your account if it becomes overdue. You’ll only end up with unnecessary fees, see here for full fee’s table

Treating people fairly is important to us at dtr. So, if something has changed in your life and you’re having difficulty keeping up with your loan repayments, please talk to us as soon as possible. We’re always here to help, and there are lots of options available to help you through tough times, including:

- Lowering your regular payment commitments

- Giving you a payment holiday

- Voluntary return of the goods (if you have Service Plus)

- Or, a combination of the above

You also have the option of making a hardship claim. Just call us on 0800 734 735, or email hardship@dtr.co.nz, if you would like to talk to us about a hardship claim

We know sometimes things do not go according to plan. So, if you need to talk to someone about an issue you are having with us. Please contact your local Branch Manager first on 0800 734 735, or email info@dtr.co.nz . They are there to help you.

If it’s a problem they’re unable to assist with, or you’re not happy with the outcome, you can phone dtr Support Office on 09 250 3350 or email complaints@dtr.co.nz.  We will confirm receipt of your complaint and investigate it for you.

We will make every effort to resolve your dispute for you. But if you’re not happy with the outcome, you can contact Financial Services Complaints Limited www.fscl.org.nz (Level 4, 101 Lambton Quay, Wellington) by phoning 0800 347 257 or emailing info@fscl.co.nz. See here for more details.

easi-pay

We won’t charge you any fees as long as you stick to your 12-week payment term. 

However, if you don’t meet your payment obligations within the 12-week term, late fees,  default interest and potentially a restructure fee will apply.

Click here for fees and interest rates (post 12 week payment term)

Yes, late fees will apply if payment obligations are not completed within the 12-week term.

Yes, default interest does apply if payment obligations are not completed within the 12-week term.

The payment term for easi-pay is 12 weeks, with 12 equal weekly repayments.

Yes, as responsible lenders credit checks are part of our application process. We take lots of other things into consideration when processing an application. So, it doesn’t hurt to apply.

No security is taken over your easi-pay purchases.

Yes, you can select a weekly, fortnightly, or monthly payment option.

Refer to your contract note as that lists your first payment value and date.

No, a deposit is not required.

Call Centre

Our call centre is open from 8.30am-5pm Monday to Friday on 0800 734 735

Send a message

You can fill in our contact form here and someone will get back to you as soon as possible.