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 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.

For both easi-own & easi-cash, your application helps us assess your affordability, and what credit limit will be available for you. At dtr we will not let you get in over your head.

Our interest rates range from 9.95% p.a. to 29.95% p.a. variable, depending on your circumstances.

Click here for fees and interest rates.

The short answer is yes you can apply, you can either apply online or call in and talk to your local dtr store.

Not at this time.

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

Conditionally approved means that based on the information you have provided us in your application, it looks good. All we need to do is confirm all the details you have provided to be able to complete the approval.

We have a standard three month wait for anyone that has had an unsuccessful application to allow time for your circumstances to change.

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

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.

It makes sense to choose the shortest term for your contract, with payments you can afford. The shorter the term or the faster you pay off your loan, the less interest you will pay. With easi-own you can pay more towards your purchases whenever you like. There is no early repayment fee.

It makes sense to choose the shortest term for your contract, with payments you can easily afford. The shorter the term or the faster you pay off your loan, the less interest you will pay

Yes, you can and good on you!

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

Even if you have signed your contract, you can still change your mind within the first 30 days. Just let us know in writing and we will be in contact.

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

General

easi-own: Through easi-own you can purchase goods for your home on affordable repayments, for more information or to apply, click here.

easi-cash: personal loans from $500 to $20,000, 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.

Service Plus is a separate service agreement dtr offers with most easi-own products. It includes:

- Delivery & installation of your purchases

- Repair & replace over and above requirements of the Consumer Guarantee Act during the contract term Provide your purchases are in working order after 6 months and your account is up to date you can:

- Update or downgrade option - Return your product and just bring your account up to date we will waiver the balance of the contract. If brought up to date within 12 months, we can give you back similar goods and you restart the contract where you left it off

- If you're moving to a new house, we’ll move your dtr gear for you within your branch service area.

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.

If you would like to upgrade or downgrade your easi-own product, please contact your local dtr branch or phone 0800 734 735

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

Having security, lowers your interest rate and potentially increases the amount you can borrow.

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. A fee of $8.05 will be charged to cover the cost of registration.

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.

Interest rates, fees, hardship

Our interest rates start at 9.95% p.a. to 29.95% p.a. variable, depending on your circumstances.

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.

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.