Real Life Advice Done Differently

EFCO is a financial lender with a difference.
We know that accessing ethical and affordable finance can be a struggle. That’s why it’s time for a change.
It’s time to revolutionise the financial industry and pave a path for the underserved and undervalued – one that’s ethical, inclusive and sustainable. One that boosts your financial health, protects the planet’s future and contributes to the wellbeing of our society.
Here at EFCO, we’re making it happen.

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Thinking Differently

Our unique business model and innovative approach allow us to provide affordable, accessible and ethical financial products. We turn avoidance into action, confusion into clarity and dreams into reality.

Save Time & Money

With no compounding or default interest, early repayment penalties or hidden charges, you’ll be able to pay off your loan much faster and at a lower cost.

Experienced Team

Our advisory boards, management team and directors have proven governance and leadership expertise in international finance. They are passionate about what they do and bring exceptional experience to our work here at EFCO.

Super Fast Loan Processing

We leverage market-leading technology in our seamless, future-proofed lending platform. Our rapid loan processing is what allows us to empower you with financial freedom quicker.

Better Finance Starts Today INSTANT EVERYTHING

Vehicle Finance

Simple, straightforward vehicle financing. We charge a fixed profit and spread it out over the finance period, which means you won’t have to worry about nasty surprises and hidden costs.

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Asset Finance

Seize valuable opportunities and drive business success on your terms with our asset financing solutions. Obtain the equipment, vehicles and inventory your business needs to go to the next level and unlock more possibilities for its future.

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Islamic Finance

We offer loans entirely compliant with Islamic financing principles and Sharia law. We are Sharia certified, guided by an expert and independent Sharia Board and overseen by a regulated Sharia advisory firm. That is why financing with us means saying goodbye to limitations and getting to realise your dreams while following your faith.

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Migrant Finance

We know that moving to and settling in a new country can be a real challenge. Our migrant finance options will allow you to begin or reshape your life in New Zealand, hassle-free.

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Business Loans

Stay on track to meet your business goals and say goodbye to missed opportunities. We’ll provide you with the funds you need to start, grow and expand your business.

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Do you need access to any other ethical, smart and flexible financing services? Whether you need help with consolidating a debt, improving your home, affording medical care or anything else, the team at EFCO are here to help.

Please reach out to us to discuss how we can empower you with the funding you need to realise your financial goals.

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There’s a loan for that FOR PEOPLE LIKE YOU

Start a conversation

Here at EFCO, we offer New Zealand’s only interest-free, ethical and Islamic-based business and personal finance solutions. Since 2016, we’ve been helping communities, clients and Kiwis who struggle with accessing traditional finance.

Our solutions are designed to make a difference. Too many people find themselves crippled by debt or blocked from accessing mainstream lending services and left behind. That’s why we work to lift the barriers and empower communities with access to fair, affordable finance responsibly and efficiently. We’re not afraid to tackle big challenges that have been left unsolved.  

With our legacy of unrivalled personal support, when you choose EFCO, you benefit from a simple, transparent pathway from exclusion to empowerment, from idea to achievement.

Finance Amount NZ$ 10500

Estimated Repayments NZ$ 223.3 Weekly

Repayment Calculator

*Use our calculator as a guide to work out what your repayments could be.
*The results from this calculator are for illustrative purposes only and are not a substitute for financial advice. Actual repayments will vary depending on your profile, which is based on factors including affordability, income level and residential stability.