View the complete Master Terms and Conditions document:
📄 Download Full Master Terms and Conditions (PDF)JLH Finance Master Terms & Conditions are effective from 1 September 2025. They consist of three main sections: General Terms and Conditions, JLH Finance Credit Facility, and Dictionary of Terms
These terms ensure compliance with New Zealand consumer protection laws, including the Consumer Guarantees Act 1993, Fair Trading Act, and Credit Contracts and Consumer Finance Act. JLH Finance commits to providing remedies under these laws and maintains membership with the Financial Dispute Resolution Service for dispute resolution.
Credit provision is subject to JLH Finance's criteria as a responsible lender. Customers must provide Direct Debit authority for payments, and payments are scheduled according to the Payment Schedule. The facility includes provisions for early repayment without penalties and allows for part-prepayments at any time.
JLH Finance charges various fees including establishment fees, monthly account maintenance fees, missed payment fees, and field visit fees. These fees are highlighted on your Credit Contract Disclosure form, as well as detailed below. All fees are GST inclusive where applicable, and JLH Finance reserves the right to accept lesser fees at our discretion.
Customers have cancellation rights within specified timeframes (5-9 working days depending on disclosure method). They must be at least 18 years old and are required to disclose any health conditions that may affect their understanding of the agreement. JLH Finance includes provisions for hardship variations and the process for returning products purchased through the facility.
JLH Finance may vary terms, interest rates, fees, or charges with appropriate notice periods. Customers must be notified of changes at least 14 days in advance. The agreement allows for electronic communications and disclosures, with specific timeframes for when notices are deemed received.